Athens, TN home prices
Typical home $256,181 · +3.6% in a year · income needed $67,800
The Athens, TN metro area ranks 432 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.6% in a year and +28.5% over five years. With 20% down at 7.11%, the typical home costs about $1,582 a month including 0.35% property tax (McMinn County rate).
Mortgage on the typical Athens home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $51,236 | $204,944 | $1,379 | $0 | $203 | $1,582 | $67,800 |
| 10% down | $25,618 | $230,563 | $1,551 | $96 | $203 | $1,851 | $79,300 |
| 5% down | $12,809 | $243,372 | $1,637 | $101 | $203 | $1,942 | $83,200 |
| 3.5% down (FHA) | $8,966 | $251,541 | $1,692 | $113 | $203 | $2,009 | $86,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.35% 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.
Counties in the Athens area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| McMinn County, TN | $256,264 | +3.7% | 0.35% |
What can you afford in Tennessee on your salary? · Tennessee home prices · Salaries in Tennessee
Frequently asked questions
How much is a house in Athens?
The typical home in the Athens, TN metro area is worth $256,181 (Zillow, September 2026).
What salary do you need to buy a house in Athens?
About $67,800 a year for the typical home with 20% down at 7.11%.