Houston County, Tennessee home prices
Typical home $229,483 · +8.2% in a year · property tax 0.54%
The typical home in Houston County is worth $229,483, 31% less than the Tennessee typical home ($330,844). Values changed +8.2% in the past year and +34.9% over five years. Homeowners here pay a median 0.54% of their home's value in property tax each year ($1,234 on the typical home), versus 0.46% statewide.
Mortgage on the typical Houston County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,897 | $183,586 | $1,235 | $0 | $218 | $1,453 | $62,300 |
| 10% down | $22,948 | $206,534 | $1,389 | $86 | $218 | $1,693 | $72,600 |
| 5% down | $11,474 | $218,009 | $1,467 | $91 | $218 | $1,775 | $76,100 |
| 3.5% down (FHA) | $8,032 | $225,326 | $1,516 | $101 | $218 | $1,835 | $78,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.54% 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 |
|---|---|---|---|
| Van Buren County | $228,836 | +1.0% | 0.44% |
| Jackson County | $225,655 | +3.2% | 0.46% |
| Claiborne County | $223,829 | +3.7% | 0.49% |
| Madison County | $222,721 | -1.1% | 0.56% |
| Henry County | $221,770 | +6.7% | 0.44% |
| Carter County | $238,959 | -0.3% | 0.51% |
| Cocke County | $241,556 | +4.1% | 0.57% |
| Unicoi County | $242,109 | +2.7% | 0.52% |
| Johnson County | $242,344 | +2.7% | 0.4% |
| Campbell County | $242,885 | +4.0% | 0.37% |
Frequently asked questions
What is the average home price in Houston County, TN?
The typical home value in Houston County is $229,483 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Houston County?
About $62,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Houston County?
The median effective rate is 0.54% of home value a year (Census ACS 2024 5-year estimates).