The most affordable cities to buy a house in Tennessee (2026)

Every Tennessee city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 7.24% (30-yr fixed), including Tennessee property tax and insurance. Data through 2026-09.

  1. Memphis — typical home $152K, income to buy about $42,000/yr
  2. Dyersburg — typical home $169K, income to buy about $47,000/yr
  3. Union City — typical home $174K, income to buy about $49,000/yr
  4. Paris — typical home $216K, income to buy about $60,000/yr
  5. Martin — typical home $218K, income to buy about $61,000/yr
  6. Jackson — typical home $220K, income to buy about $61,000/yr
  7. Elizabethton — typical home $232K, income to buy about $65,000/yr
  8. Bristol — typical home $235K, income to buy about $66,000/yr
  9. Millington — typical home $235K, income to buy about $66,000/yr
  10. Lawrenceburg — typical home $237K, income to buy about $66,000/yr
  11. Greeneville — typical home $244K, income to buy about $68,000/yr
  12. McMinnville — typical home $252K, income to buy about $70,000/yr
  13. East Ridge — typical home $253K, income to buy about $71,000/yr
  14. Kingsport — typical home $253K, income to buy about $71,000/yr
  15. Athens — typical home $260K, income to buy about $72,000/yr
  16. Morristown — typical home $263K, income to buy about $74,000/yr
  17. Lewisburg — typical home $290K, income to buy about $81,000/yr
  18. Tullahoma — typical home $293K, income to buy about $82,000/yr
  19. Johnson City — typical home $293K, income to buy about $82,000/yr
  20. Red Bank — typical home $304K, income to buy about $85,000/yr
  21. Crossville — typical home $307K, income to buy about $86,000/yr
  22. Cleveland — typical home $308K, income to buy about $86,000/yr
  23. Shelbyville — typical home $309K, income to buy about $86,000/yr
  24. Chattanooga — typical home $315K, income to buy about $88,000/yr
  25. Clarksville — typical home $318K, income to buy about $89,000/yr

At the other end, Tennessee's priciest markets: Brentwood ($388,000/yr), Franklin ($255,000/yr), Nolensville ($233,000/yr), Farragut ($192,000/yr), Mount Juliet ($155,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

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