McNairy County, Tennessee home prices
Typical home $172,914 · +5.6% in a year · property tax 0.38%
The typical home in McNairy County is worth $172,914, 48% less than the Tennessee typical home ($330,844). Values changed +5.6% in the past year and +26.4% over five years. Homeowners here pay a median 0.38% of their home's value in property tax each year ($662 on the typical home), versus 0.46% statewide.
Mortgage on the typical McNairy County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $34,583 | $138,332 | $931 | $0 | $142 | $1,072 | $45,900 |
| 10% down | $17,291 | $155,623 | $1,047 | $65 | $142 | $1,253 | $53,700 |
| 5% down | $8,646 | $164,269 | $1,105 | $68 | $142 | $1,315 | $56,400 |
| 3.5% down (FHA) | $6,052 | $169,782 | $1,142 | $76 | $142 | $1,360 | $58,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.38% 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 |
|---|---|---|---|
| Perry County | $170,720 | +2.2% | 0.53% |
| Haywood County | $175,513 | +4.1% | 0.62% |
| Dyer County | $175,680 | +3.5% | 0.63% |
| Hancock County | $176,431 | +9.4% | 0.45% |
| Carroll County | $177,700 | +2.5% | 0.58% |
| Gibson County | $178,894 | +2.1% | 0.66% |
| Obion County | $166,805 | +7.4% | 0.52% |
| Decatur County | $180,599 | +7.3% | 0.46% |
| Wayne County | $180,980 | +6.3% | 0.49% |
| Chester County | $164,234 | +0.8% | 0.52% |
Frequently asked questions
What is the average home price in McNairy County, TN?
The typical home value in McNairy County is $172,914 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in McNairy County?
About $45,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in McNairy County?
The median effective rate is 0.38% of home value a year (Census ACS 2024 5-year estimates).