Lincoln County, Tennessee home prices
Typical home $257,515 · +3.4% in a year · property tax 0.45%
The typical home in Lincoln County is worth $257,515, 22% less than the Tennessee typical home ($330,844). Values changed +3.4% in the past year and +27.5% over five years. Homeowners here pay a median 0.45% of their home's value in property tax each year ($1,164 on the typical home), versus 0.46% statewide.
Mortgage on the typical Lincoln County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $51,503 | $206,012 | $1,386 | $0 | $226 | $1,612 | $69,100 |
| 10% down | $25,752 | $231,764 | $1,559 | $97 | $226 | $1,881 | $80,600 |
| 5% down | $12,876 | $244,639 | $1,646 | $102 | $226 | $1,973 | $84,600 |
| 3.5% down (FHA) | $9,013 | $252,851 | $1,701 | $114 | $226 | $2,041 | $87,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.45% 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 |
|---|---|---|---|
| Sullivan County | $257,715 | -0.5% | 0.58% |
| Rhea County | $258,525 | +3.5% | 0.43% |
| McMinn County | $256,264 | +3.7% | 0.35% |
| Macon County | $260,164 | +3.3% | 0.39% |
| Marion County | $254,750 | +1.2% | 0.43% |
| Warren County | $254,138 | +2.1% | 0.42% |
| Polk County | $252,394 | +6.7% | 0.5% |
| Overton County | $251,818 | +3.9% | 0.39% |
| Giles County | $250,862 | +2.3% | 0.42% |
| Humphreys County | $249,121 | +5.7% | 0.48% |
Frequently asked questions
What is the average home price in Lincoln County, TN?
The typical home value in Lincoln County is $257,515 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lincoln County?
About $69,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lincoln County?
The median effective rate is 0.45% of home value a year (Census ACS 2024 5-year estimates).