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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

Church Hill, TN Housing Affordability Index

Church Hill, Tennessee has an MBR Housing Affordability Index score of 132.0 (Highly Affordable) as of October 30, 2026, ranking 191st most affordable of 380 scored Tennessee cities, compared with 103.7 statewide and 97.4 nationally. On a median-priced $211,000 home with 20% down, the Tennessee average 30-year fixed rate of 7.18% means a monthly principal and interest payment of about $1,144, or 21% of the city’s $65,526 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Church Hill 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.

Church Hill MBR-HAI 132.0 Highly Affordable
Rank in Tennessee 191 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 $211,000 U.S. Census Bureau

Church Hill is 28.2 points above the Tennessee score. Scores as of October 30, 2026. See the Tennessee index

View Church Hill Mortgage Rates

What It Takes to Buy in Church Hill

$1,144/mo
Principal & Interest
Median home, 20% down, 7.18%
$49,000
Income Needed
To keep the payment at 28% of income
$65,526
Median Household Income
Tennessee: $69,595
3.2x
Price-to-Income Ratio
Tennessee: 4.1x
$959/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,157/yr
Median Property Tax
0.55% of median value
16.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
39.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Church Hill Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Church Hill, Tennessee score: 132.0 (Highly Affordable), ranked 191 of 380 Tennessee cities. monitorbankrates.com/housing-affordability-index/tennessee/church-hill”