Bedford County, Tennessee home prices
Typical home $326,906 · +0.9% in a year · property tax 0.48%
The typical home in Bedford County is worth $326,906, about the same as the Tennessee typical home ($330,844). Values changed +0.9% in the past year and +28.2% over five years. Homeowners here pay a median 0.48% of their home's value in property tax each year ($1,564 on the typical home), versus 0.46% statewide.
Mortgage on the typical Bedford County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $65,381 | $261,525 | $1,759 | $0 | $294 | $2,053 | $88,000 |
| 10% down | $32,691 | $294,215 | $1,979 | $123 | $294 | $2,396 | $102,700 |
| 5% down | $16,345 | $310,561 | $2,089 | $129 | $294 | $2,512 | $107,700 |
| 3.5% down (FHA) | $11,442 | $320,985 | $2,159 | $145 | $294 | $2,598 | $111,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.48% 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.
What it takes: see what you can afford by salary in Tennessee · part of the Shelbyville metro area.
Tennessee counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cannon County | $323,400 | +7.4% | 0.43% |
| Jefferson County | $334,422 | +2.0% | 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% |
Frequently asked questions
What is the average home price in Bedford County, TN?
The typical home value in Bedford County is $326,906 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Bedford County?
About $88,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Bedford County?
The median effective rate is 0.48% of home value a year (Census ACS 2024 5-year estimates).