How much house can I afford on $90,000 in Tennessee?
About $335,000 with 20% down ($265,000 with an FHA loan), using Tennessee's 0.46% property tax rate.
That is $4,503 more than the typical Tennessee home ($330,844), so a $90,000 salary can buy a typical home here. The payment of $2,100 covers $1,805 principal and interest, $128 property tax and $168 insurance.
Counties in Tennessee you can afford on $90,000
78 of 95 counties have a typical home value at or below $335,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Coffee County | $308,088 | +1.6% | 0.57% |
| Smith County | $307,229 | +4.7% | 0.47% |
| Cumberland County | $306,289 | +0.8% | 0.29% |
| Washington County | $305,353 | +1.9% | 0.52% |
| Meigs County | $299,889 | +6.0% | 0.39% |
| Dekalb County | $298,340 | +2.1% | 0.35% |
| Roane County | $296,784 | +4.5% | 0.53% |
| Union County | $291,876 | +2.4% | 0.37% |
| Monroe County | $286,339 | +5.2% | 0.41% |
| Sequatchie County | $281,765 | +2.9% | 0.45% |
| Grainger County | $280,819 | +5.9% | 0.48% |
| White County | $276,288 | +6.0% | 0.4% |
| Hamblen County | $269,584 | +2.9% | 0.41% |
| Tipton County | $268,759 | +1.1% | 0.5% |
| Macon County | $260,164 | +3.3% | 0.39% |
| Rhea County | $258,525 | +3.5% | 0.43% |
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 $90,000 in Tennessee?
About $335,000 with 20% down at 7.11%, keeping the payment (with Tennessee's 0.46% property tax and insurance) under $2,100 a month.
Is $90,000 enough to buy a house in Tennessee?
Yes: the typical Tennessee home is worth $330,844 (Zillow, September 2026) and $90,000 supports about $335,000. 78 of 95 counties are within budget.