Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$276,288+6.0% YoY · prices are rising fast
Market right nowBalanced, leaning sellersFewer homes for sale than last year, 22% have cut their price
Income needed to buy, per year$59,893About 1.1× the local median income ($56,340): a stretch for a typical household
Days on market59 daysFaster than a year ago: sellers have the edge
The typical home in White County, TN is worth $276,288, up 6.0% from a year ago. That is well above what local incomes have historically supported: fair value is about $216,747, so the area is 27.5% overvalued. It is a balanced market, leaning toward sellers: homes take about 59 days to sell, listings are down 24% from a year ago, 22% of listings have had a price cut. A household needs about $59,893 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $56,340. In the latest IRS figures, 607 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$276,288
Change in 1 year
+6.0%
Overvalued %
+27.5%
Show 6 more
Fair home value
$216,747
Change in 5 years
+30.5%
Home value to income
4.9×
Monthly mortgage payment (20% down)
$1,497
Income needed to afford it
$59,893
Property tax rate
0.40%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,021
Market activity
Listings vs a year ago
−24.4%
Days on market
59
Listings with a price cut
21.9%
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Homes for sale
130
Pending sales per 100 listings
29
Asking price per sq ft
$212
People and jobs
Median household income
$56,340
Population change (1 year)
+1.3%
Unemployment rate
5.6%
Show 4 more
Population
29,612
Income adjusted for cost of living
$66,360
Net moves in (IRS)
+607
Cost of living (US = 100)
84.9
Schools, risk and environment
School rating (1 to 10)
6.8
FEMA hazard risk score (0 to 100)
38.5
Flood risk score
42.7
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Wildfire risk score
30.6
Walkability (1 to 20)
4.4
Road, rail and air noise
55 dB
Questions people ask
Is White County, TN overvalued?
Home prices in White County, TN are well above what local incomes have historically supported: fair value is about $216,747, so the area is 27.5% overvalued.
Is White County, TN a buyer's or seller's market?
White County, TN is a balanced market, leaning toward sellers: homes take about 59 days to sell, listings are down 24% from a year ago, 22% of listings have had a price cut.
Are home prices going down in White County, TN?
Home values in White County, TN are up 6.0% over the last year.
How much do you need to earn to buy a home in White County, TN?
A household needs about $59,893 a year to afford the typical home in White County, TN at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $56,340.