Macon County, Tennessee home prices
Typical home $260,164 · +3.3% in a year · property tax 0.39%
The typical home in Macon County is worth $260,164, 21% less than the Tennessee typical home ($330,844). Values changed +3.3% in the past year and +26.5% over five years. Homeowners here pay a median 0.39% of their home's value in property tax each year ($1,007 on the typical home), versus 0.46% statewide.
Mortgage on the typical Macon County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,033 | $208,131 | $1,400 | $0 | $214 | $1,614 | $69,200 |
| 10% down | $26,016 | $234,148 | $1,575 | $98 | $214 | $1,887 | $80,900 |
| 5% down | $13,008 | $247,156 | $1,663 | $103 | $214 | $1,980 | $84,800 |
| 3.5% down (FHA) | $9,106 | $255,452 | $1,718 | $115 | $214 | $2,048 | $87,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.39% 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 |
|---|---|---|---|
| Rhea County | $258,525 | +3.5% | 0.43% |
| Sullivan County | $257,715 | -0.5% | 0.58% |
| Lincoln County | $257,515 | +3.4% | 0.45% |
| McMinn County | $256,264 | +3.7% | 0.35% |
| 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% |
| Tipton County | $268,759 | +1.1% | 0.5% |
| Giles County | $250,862 | +2.3% | 0.42% |
Frequently asked questions
What is the average home price in Macon County, TN?
The typical home value in Macon County is $260,164 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Macon County?
About $69,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Macon County?
The median effective rate is 0.39% of home value a year (Census ACS 2024 5-year estimates).