How much house can I afford on $190,000 in Tennessee?
About $708,000 with 20% down ($559,000 with an FHA loan), using Tennessee's 0.46% property tax rate.
That is $377,111 more than the typical Tennessee home ($330,844), so a $190,000 salary can buy a typical home here. The payment of $4,433 covers $3,810 principal and interest, $269 property tax and $354 insurance.
Counties in Tennessee you can afford on $190,000
94 of 95 counties have a typical home value at or below $708,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Wilson County | $496,100 | +0.7% | 0.42% |
| Loudon County | $449,541 | +1.4% | 0.33% |
| Sumner County | $441,082 | +0.6% | 0.51% |
| Davidson County | $424,273 | -2.6% | 0.6% |
| Rutherford County | $413,437 | -0.6% | 0.48% |
| Sevier County | $406,731 | -0.0% | 0.28% |
| Maury County | $400,294 | +1.1% | 0.45% |
| Cheatham County | $395,014 | +1.9% | 0.47% |
| Blount County | $393,019 | +2.8% | 0.45% |
| Knox County | $376,337 | +1.2% | 0.43% |
| Robertson County | $369,103 | +0.3% | 0.47% |
| Fayette County | $367,601 | -0.8% | 0.33% |
| Dickson County | $357,734 | +1.8% | 0.47% |
| Trousdale County | $356,334 | +4.5% | 0.35% |
| Moore County | $355,337 | +7.2% | 0.45% |
| Hamilton County | $348,511 | -1.0% | 0.62% |
| Jefferson County | $334,422 | +2.0% | 0.43% |
| Bedford County | $326,906 | +0.9% | 0.48% |
| Cannon County | $323,400 | +7.4% | 0.43% |
| Montgomery County | $318,644 | +0.4% | 0.61% |
| Marshall County | $318,501 | +2.3% | 0.48% |
| Franklin County | $315,281 | +2.5% | 0.53% |
| Bradley County | $313,180 | +1.4% | 0.45% |
| Anderson County | $313,013 | +3.0% | 0.54% |
| Putnam County | $312,125 | +1.2% | 0.48% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.46% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Tennessee
Frequently asked questions
How much house can I afford on $190,000 in Tennessee?
About $708,000 with 20% down at 7.11%, keeping the payment (with Tennessee's 0.46% property tax and insurance) under $4,433 a month.
Is $190,000 enough to buy a house in Tennessee?
Yes: the typical Tennessee home is worth $330,844 (Zillow, September 2026) and $190,000 supports about $708,000. 94 of 95 counties are within budget.