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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Bean Station, TN Housing Affordability Index

Bean Station, Tennessee has an MBR Housing Affordability Index score of 143.1 (Highly Affordable) as of October 30, 2026, ranking 142nd most affordable of 380 scored Tennessee cities, compared with 103.7 statewide and 97.4 nationally. On a median-priced $164,600 home with 20% down, the Tennessee average 30-year fixed rate of 7.18% means a monthly principal and interest payment of about $892, or 24% of the city’s $44,785 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bean Station is updated every night from live Tennessee mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Bean Station MBR-HAI 143.1 Highly Affordable
Rank in Tennessee 142 of 380 1 = most affordable
Tennessee 103.7 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.18% Tennessee lenders
Median home value $164,600 U.S. Census Bureau

Bean Station is 39.4 points above the Tennessee score. Scores as of October 30, 2026. See the Tennessee index

View Bean Station Mortgage Rates

What It Takes to Buy in Bean Station

$892/mo
Principal & Interest
Median home, 20% down, 7.18%
$38,200
Income Needed
To keep the payment at 28% of income
$44,785
Median Household Income
Tennessee: $69,595
3.7x
Price-to-Income Ratio
Tennessee: 4.1x
$774/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$920/yr
Median Property Tax
0.56% of median value
47.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
9.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Bean Station, Tennessee. The rate is the Tennessee average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Bean Station Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bean Station, Tennessee score: 143.1 (Highly Affordable), ranked 142 of 380 Tennessee cities. monitorbankrates.com/housing-affordability-index/tennessee/bean-station”