Decatur County, Tennessee home prices
Typical home $180,599 · +7.3% in a year · property tax 0.46%
The typical home in Decatur County is worth $180,599, 45% less than the Tennessee typical home ($330,844). Values changed +7.3% in the past year and +20.5% over five years. Homeowners here pay a median 0.46% of their home's value in property tax each year ($833 on the typical home), versus 0.46% statewide.
Mortgage on the typical Decatur County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,120 | $144,480 | $972 | $0 | $160 | $1,132 | $48,500 |
| 10% down | $18,060 | $162,539 | $1,093 | $68 | $160 | $1,321 | $56,600 |
| 5% down | $9,030 | $171,569 | $1,154 | $71 | $160 | $1,385 | $59,400 |
| 3.5% down (FHA) | $6,321 | $177,328 | $1,193 | $80 | $160 | $1,433 | $61,400 |
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.
What it takes: see what you can afford by salary in Tennessee.
Tennessee counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Wayne County | $180,980 | +6.3% | 0.49% |
| Gibson County | $178,894 | +2.1% | 0.66% |
| Carroll County | $177,700 | +2.5% | 0.58% |
| Hancock County | $176,431 | +9.4% | 0.45% |
| Dyer County | $175,680 | +3.5% | 0.63% |
| Haywood County | $175,513 | +4.1% | 0.62% |
| Hickman County | $186,108 | +2.8% | 0.46% |
| McNairy County | $172,914 | +5.6% | 0.38% |
| Weakley County | $189,627 | +6.5% | 0.48% |
| Benton County | $189,722 | +7.2% | 0.48% |
Frequently asked questions
What is the average home price in Decatur County, TN?
The typical home value in Decatur County is $180,599 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Decatur County?
About $48,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Decatur County?
The median effective rate is 0.46% of home value a year (Census ACS 2024 5-year estimates).