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 6.66% (30-yr fixed), including Tennessee property tax and insurance. Data through 2026-06.

1. Memphis — typical home $147K, income to buy about $39,000/yr
2. Dyersburg — typical home $171K, income to buy about $45,000/yr
3. Union City — typical home $174K, income to buy about $46,000/yr
4. Paris — typical home $218K, income to buy about $58,000/yr
5. Martin — typical home $225K, income to buy about $60,000/yr
6. Jackson — typical home $230K, income to buy about $61,000/yr
7. Elizabethton — typical home $237K, income to buy about $63,000/yr
8. Bristol — typical home $241K, income to buy about $64,000/yr
9. Millington — typical home $243K, income to buy about $65,000/yr
10. Lawrenceburg — typical home $249K, income to buy about $66,000/yr
11. Greeneville — typical home $252K, income to buy about $67,000/yr
12. Kingsport — typical home $259K, income to buy about $69,000/yr
13. McMinnville — typical home $259K, income to buy about $69,000/yr
14. East Ridge — typical home $262K, income to buy about $69,000/yr
15. Athens — typical home $268K, income to buy about $71,000/yr
16. Morristown — typical home $274K, income to buy about $73,000/yr
17. Tullahoma — typical home $299K, income to buy about $79,000/yr
18. Johnson City — typical home $300K, income to buy about $80,000/yr
19. Lewisburg — typical home $303K, income to buy about $81,000/yr
20. Crossville — typical home $314K, income to buy about $83,000/yr
21. Red Bank — typical home $316K, income to buy about $84,000/yr
22. Shelbyville — typical home $316K, income to buy about $84,000/yr
23. Cleveland — typical home $319K, income to buy about $85,000/yr
24. Clarksville — typical home $322K, income to buy about $86,000/yr
25. Chattanooga — typical home $324K, income to buy about $86,000/yr

At the other end, Tennessee's priciest markets: Brentwood ($375,000/yr), Franklin ($247,000/yr), Nolensville ($224,000/yr), Farragut ($187,000/yr), Mount Juliet ($151,000/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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