MonitorBankRates
☰
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

Fall Branch, TN Housing Affordability Index

Fall Branch, Tennessee has an MBR Housing Affordability Index score of 134.1 (Highly Affordable) as of October 30, 2026, ranking 174th most affordable of 380 scored Tennessee cities, compared with 103.7 statewide and 97.4 nationally. On a median-priced $213,300 home with 20% down, the Tennessee average 30-year fixed rate of 7.18% means a monthly principal and interest payment of about $1,156, or 28% of the city’s $50,208 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Fall Branch 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.

Fall Branch MBR-HAI 134.1 Highly Affordable
Rank in Tennessee 174 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 $213,300 U.S. Census Bureau

Fall Branch is 30.3 points above the Tennessee score. Scores as of October 30, 2026. See the Tennessee index

View Fall Branch Mortgage Rates

What It Takes to Buy in Fall Branch

$1,156/mo
Principal & Interest
Median home, 20% down, 7.18%
$49,600
Income Needed
To keep the payment at 28% of income
$50,208
Median Household Income
Tennessee: $69,595
4.2x
Price-to-Income Ratio
Tennessee: 4.1x
$513/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$683/yr
Median Property Tax
0.32% of median value
34.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
60.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Fall Branch Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fall Branch, Tennessee score: 134.1 (Highly Affordable), ranked 174 of 380 Tennessee cities. monitorbankrates.com/housing-affordability-index/tennessee/fall-branch”