Dekalb County, Tennessee home prices
Typical home $298,340 · +2.1% in a year · property tax 0.35%
The typical home in Dekalb County is worth $298,340, 10% less than the Tennessee typical home ($330,844). Values changed +2.1% in the past year and +22.0% over five years. Homeowners here pay a median 0.35% of their home's value in property tax each year ($1,044 on the typical home), versus 0.46% statewide.
Mortgage on the typical Dekalb County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $59,668 | $238,672 | $1,606 | $0 | $236 | $1,842 | $78,900 |
| 10% down | $29,834 | $268,506 | $1,806 | $112 | $236 | $2,154 | $92,300 |
| 5% down | $14,917 | $283,423 | $1,907 | $118 | $236 | $2,261 | $96,900 |
| 3.5% down (FHA) | $10,442 | $292,936 | $1,971 | $132 | $236 | $2,339 | $100,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.35% 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 |
|---|---|---|---|
| Meigs County | $299,889 | +6.0% | 0.39% |
| Roane County | $296,784 | +4.5% | 0.53% |
| Union County | $291,876 | +2.4% | 0.37% |
| Washington County | $305,353 | +1.9% | 0.52% |
| Cumberland County | $306,289 | +0.8% | 0.29% |
| Smith County | $307,229 | +4.7% | 0.47% |
| Coffee County | $308,088 | +1.6% | 0.57% |
| Monroe County | $286,339 | +5.2% | 0.41% |
| Putnam County | $312,125 | +1.2% | 0.48% |
| Anderson County | $313,013 | +3.0% | 0.54% |
Frequently asked questions
What is the average home price in Dekalb County, TN?
The typical home value in Dekalb County is $298,340 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Dekalb County?
About $78,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Dekalb County?
The median effective rate is 0.35% of home value a year (Census ACS 2024 5-year estimates).