Cheatham County, Tennessee home prices
Typical home $395,014 · +1.9% in a year · property tax 0.47%
The typical home in Cheatham County is worth $395,014, 19% more than the Tennessee typical home ($330,844). Values changed +1.9% in the past year and +18.4% over five years. Homeowners here pay a median 0.47% of their home's value in property tax each year ($1,845 on the typical home), versus 0.46% statewide.
Mortgage on the typical Cheatham County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $79,003 | $316,011 | $2,126 | $0 | $351 | $2,477 | $106,200 |
| 10% down | $39,501 | $355,513 | $2,392 | $148 | $351 | $2,891 | $123,900 |
| 5% down | $19,751 | $375,263 | $2,524 | $156 | $351 | $3,032 | $129,900 |
| 3.5% down (FHA) | $13,825 | $387,859 | $2,609 | $175 | $351 | $3,135 | $134,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.47% 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 Nashville metro area.
Tennessee counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Blount County | $393,019 | +2.8% | 0.45% |
| Maury County | $400,294 | +1.1% | 0.45% |
| Sevier County | $406,731 | -0.0% | 0.28% |
| Rutherford County | $413,437 | -0.6% | 0.48% |
| Knox County | $376,337 | +1.2% | 0.43% |
| Robertson County | $369,103 | +0.3% | 0.47% |
| Fayette County | $367,601 | -0.8% | 0.33% |
| Davidson County | $424,273 | -2.6% | 0.6% |
| Dickson County | $357,734 | +1.8% | 0.47% |
| Trousdale County | $356,334 | +4.5% | 0.35% |
Frequently asked questions
What is the average home price in Cheatham County, TN?
The typical home value in Cheatham County is $395,014 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cheatham County?
About $106,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cheatham County?
The median effective rate is 0.47% of home value a year (Census ACS 2024 5-year estimates).