White County, Tennessee home prices
Typical home $276,288 · +6.0% in a year · property tax 0.4%
The typical home in White County is worth $276,288, 16% less than the Tennessee typical home ($330,844). Values changed +6.0% in the past year and +30.5% over five years. Homeowners here pay a median 0.4% of their home's value in property tax each year ($1,117 on the typical home), versus 0.46% statewide.
Mortgage on the typical White County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $55,258 | $221,030 | $1,487 | $0 | $231 | $1,718 | $73,600 |
| 10% down | $27,629 | $248,659 | $1,673 | $104 | $231 | $2,008 | $86,000 |
| 5% down | $13,814 | $262,473 | $1,766 | $109 | $231 | $2,106 | $90,300 |
| 3.5% down (FHA) | $9,670 | $271,283 | $1,825 | $122 | $231 | $2,178 | $93,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.4% 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 |
|---|---|---|---|
| Grainger County | $280,819 | +5.9% | 0.48% |
| Sequatchie County | $281,765 | +2.9% | 0.45% |
| Hamblen County | $269,584 | +2.9% | 0.41% |
| Tipton County | $268,759 | +1.1% | 0.5% |
| Monroe County | $286,339 | +5.2% | 0.41% |
| Union County | $291,876 | +2.4% | 0.37% |
| Macon County | $260,164 | +3.3% | 0.39% |
| Rhea County | $258,525 | +3.5% | 0.43% |
| Sullivan County | $257,715 | -0.5% | 0.58% |
| Lincoln County | $257,515 | +3.4% | 0.45% |
Frequently asked questions
What is the average home price in White County, TN?
The typical home value in White County is $276,288 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in White County?
About $73,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in White County?
The median effective rate is 0.4% of home value a year (Census ACS 2024 5-year estimates).