Overton County, Tennessee home prices
Typical home $251,818 · +3.9% in a year · property tax 0.39%
The typical home in Overton County is worth $251,818, 24% less than the Tennessee typical home ($330,844). Values changed +3.9% in the past year and +31.4% over five years. Homeowners here pay a median 0.39% of their home's value in property tax each year ($973 on the typical home), versus 0.46% statewide.
Mortgage on the typical Overton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,364 | $201,454 | $1,355 | $0 | $207 | $1,562 | $66,900 |
| 10% down | $25,182 | $226,636 | $1,525 | $94 | $207 | $1,826 | $78,300 |
| 5% down | $12,591 | $239,227 | $1,609 | $100 | $207 | $1,916 | $82,100 |
| 3.5% down (FHA) | $8,814 | $247,257 | $1,663 | $111 | $207 | $1,982 | $84,900 |
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 Cookeville metro area.
Tennessee counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Polk County | $252,394 | +6.7% | 0.5% |
| Giles County | $250,862 | +2.3% | 0.42% |
| Warren County | $254,138 | +2.1% | 0.42% |
| Humphreys County | $249,121 | +5.7% | 0.48% |
| Pickett County | $249,112 | +4.6% | 0.41% |
| Marion County | $254,750 | +1.2% | 0.43% |
| Stewart County | $247,613 | +1.6% | 0.46% |
| McMinn County | $256,264 | +3.7% | 0.35% |
| Greene County | $247,189 | +2.2% | 0.43% |
| Hawkins County | $247,127 | +5.8% | 0.54% |
Frequently asked questions
What is the average home price in Overton County, TN?
The typical home value in Overton County is $251,818 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Overton County?
About $66,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Overton County?
The median effective rate is 0.39% of home value a year (Census ACS 2024 5-year estimates).