Rutherford County, Tennessee home prices
Typical home $413,437 · -0.6% in a year · property tax 0.48%
The typical home in Rutherford County is worth $413,437, 25% more than the Tennessee typical home ($330,844). Values changed -0.6% in the past year and +18.7% over five years. Homeowners here pay a median 0.48% of their home's value in property tax each year ($1,987 on the typical home), versus 0.46% statewide.
Mortgage on the typical Rutherford County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $82,687 | $330,750 | $2,225 | $0 | $372 | $2,597 | $111,300 |
| 10% down | $41,344 | $372,093 | $2,503 | $155 | $372 | $3,030 | $129,900 |
| 5% down | $20,672 | $392,765 | $2,642 | $164 | $372 | $3,178 | $136,200 |
| 3.5% down (FHA) | $14,470 | $405,949 | $2,731 | $183 | $372 | $3,286 | $140,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.48% 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 |
|---|---|---|---|
| Sevier County | $406,731 | -0.0% | 0.28% |
| Davidson County | $424,273 | -2.6% | 0.6% |
| Maury County | $400,294 | +1.1% | 0.45% |
| Cheatham County | $395,014 | +1.9% | 0.47% |
| Blount County | $393,019 | +2.8% | 0.45% |
| Sumner County | $441,082 | +0.6% | 0.51% |
| Loudon County | $449,541 | +1.4% | 0.33% |
| Knox County | $376,337 | +1.2% | 0.43% |
| Robertson County | $369,103 | +0.3% | 0.47% |
| Fayette County | $367,601 | -0.8% | 0.33% |
Frequently asked questions
What is the average home price in Rutherford County, TN?
The typical home value in Rutherford County is $413,437 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Rutherford County?
About $111,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Rutherford County?
The median effective rate is 0.48% of home value a year (Census ACS 2024 5-year estimates).