Tennessee Housing Affordability Index

Tennessee’s MBR Housing Affordability Index score is 103.7 (Near National Average) as of October 30, 2026, ranking 23rd most affordable of 51 states, compared with a national score of 97.4. On a median-priced $286,700 home in Tennessee with 20% down, the current 7.18% 30-year fixed rate means a monthly principal and interest payment of about $1,554, or 27% of the state’s $69,595 median household income.

Daily MBR Housing Affordability Index (MBR-HAI) score for Tennessee compared to the national average. Updated every night using live mortgage rates and U.S. Census Bureau income and home value data. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Tennessee MBR-HAI 103.7 Near National Average

National 97.4 Near National Average

Rank 23 of 51 1 = most affordable

Avg 30-yr rate 7.18% Tennessee lenders

Median home value $286,700 U.S. Census Bureau

Median income $69,595 U.S. Census Bureau

National 97.4 Tennessee 103.7

Less affordable100 = national baselineMore affordable

Tennessee is 6.3 points above the national score. Scores as of October 30, 2026, unchanged from the prior day. View all state rankings

View Tennessee Mortgage Rates

Jump to: State Map Tennessee Rank Tennessee Cities 90-Day Trend Affordability Factors vs. Other States Download Data Press & Citations

Housing Affordability Across U.S. States

MBR-HAI score for every state as of October 30, 2026, with Tennessee outlined. Green states are more affordable than the national baseline of 100; red states are less affordable. Hover for the rank; click through to any state.

Highly Affordable (120+) More Affordable (110-119) Near Average (90-109) Moderately Less (70-89) Significantly Less (50-69) Least Affordable (under 50)

National baseline = 100 (computed at the 6.5% reference rate). Scores update every morning. Hover any state for its rank; click to open that state's page.

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Tennessee Affordability Ranking

#23 of 51 states · October 30, 2026 Near the middle

Most Affordable Least Affordable

More affordable than: 28 of 51 states (55%)

Less affordable than: 22 of 51 states (43%)

MBR-HAI Score: 103.7 vs. national 97.4 (+6.3 points)

Nearby States

↑ 20 more affordable states above

#21 NC 104.6

#22 WI 104.4

#23 Tennessee ◀ 103.7

#24 DE 103.6

#25 WY 103.1

↓ 26 less affordable states below

Top 5 Most Affordable

#1 WV 145.2

#2 AR 135.7

#3 AL 134.1

#4 MS 131.1

#5 IA 126.4

Bottom 5 Least Affordable

#47 OR 78.0

#48 DC 77.6

#49 MA 76.0

#50 HI 69.3

#51 CA 67.5

View full 51-state rankings →

Tennessee Cities Ranked by Housing Affordability

MBR-HAI scores for 380 Tennessee cities as of October 30, 2026, from most to least affordable. Each score uses the city’s Census income, home value and housing costs with the Tennessee average 30-year rate. Select a city for its full breakdown.

#1 Ocoee 382.5 #2 Trezevant 309.4 #3 Beersheba Springs 299.7 #4 Maury City 296.3 #5 Palmer 270.8 #6 Powells Crossroads 253.8 #7 Hornbeak 251.0 #8 Woodland Mills 248.3 #9 Philadelphia 246.2 #10 Williston 244.1 #11 Delano 243.6 #12 Orme 236.8 #13 Finger 229.9 #14 Allardt 229.3 #15 Big Sandy 222.6 #16 Hornsby 218.9 #17 Henry 217.9 #18 Newbern 215.4 #19 Clarksburg 212.0 #20 Trimble 210.7 #21 Gleason 209.9 #22 Pinson 206.9 #23 Rutherford 205.7 #24 Henning 201.3 #25 McLemoresville 197.9 #26 New Market 197.9 #27 Eastview 197.0 #28 Puryear 195.4 #29 New Hope 195.3 #30 Hollow Rock 195.2 #31 Sunbright 194.8 #32 Strawberry Plains 193.3 #33 Russellville 192.2 #34 South Fulton 191.5 #35 Altamont 190.3 #36 Waynesboro 190.1 #37 Auburntown 189.0 #38 Greenfield 186.4 #39 Yorkville 185.1 #40 Coopertown 184.2 #41 Roan Mountain 184.2 #42 Copperhill 183.8 #43 New Johnsonville 182.2 #44 Linden 180.5 #45 Grand Junction 180.1 #46 Gates 179.0 #47 Collinwood 178.4 #48 Humboldt 177.9 #49 Oakdale 177.8 #50 Hampton 177.5 #51 Coalfield 176.4 #52 Whitwell 175.3 #53 Shiloh 175.2 #54 Tennessee Ridge 174.5 #55 Medon 174.2 #56 Watauga 173.8 #57 Trenton 173.7 #58 Parker's Crossroads 173.4 #59 Niota 172.6 #60 Obion 171.4 #61 Guys 171.3 #62 Bethpage 170.6 #63 Milledgeville 170.5 #64 Robbins 169.6 #65 Dyer 168.2 #66 Norene 167.3 #67 Michie 167.1 #68 Plainview 167.0 #69 Mosheim 166.7 #70 Saltillo 165.7 #71 Gilt Edge 165.7 #72 Summertown 165.6 #73 Prospect 165.4 #74 Crab Orchard 164.7 #75 Calhoun 164.3 #76 Bradford 164.1 #77 Ramer 163.9 #78 Englewood 163.2 #79 Troy 163.1 #80 Coalmont 162.0 #81 Burlison 161.6 #82 Ooltewah 160.5 #83 Dresden 160.0 #84 Rives 159.6 #85 Bluff City 159.2 #86 Atwood 158.6 #87 Camden 158.3 #88 Spencer 157.8 #89 Riceville 157.6 #90 Hohenwald 157.5 #91 Telford 157.0 #92 Alamo 156.8 #93 Tusculum 156.7 #94 Charleston 156.7 #95 Clifton 156.5 #96 Pelham 155.5 #97 Farner 155.3 #98 Saulsbury 154.9 #99 Decaturville 154.7 #100 Cedar Hill 154.5 #101 Palmersville 154.4 #102 McDonald 153.9 #103 Pleasant Hill 153.9 #104 Gadsden 153.7 #105 Jasper 153.3 #106 Sardis 152.1 #107 Parsons 151.3 #108 Selmer 151.0 #109 Mount Carmel 150.5 #110 Petersburg 150.5 #111 Sharon 150.4 #112 Ridgely 150.4 #113 Gibson 149.8 #114 South Pittsburg 149.7 #115 Loretto 149.5 #116 Rutledge 149.3 #117 Gallaway 149.3 #118 Moscow 149.3 #119 Lynnville 149.0 #120 Harrogate 148.9 #121 Parrottsville 148.3 #122 Rockwood 148.3 #123 Brighton 147.6 #124 Graysville 147.4 #125 Mason 147.2 #126 Luttrell 146.9 #127 Frankewing 146.7 #128 Beech Bluff 146.6 #129 New Tazewell 146.6 #130 Stanton 146.1 #131 Finley 146.1 #132 Huntland 146.0 #133 Counce 145.6 #134 Dover 145.6 #135 Adamsville 145.5 #136 Henderson 145.0 #137 Crump 144.7 #138 Cumberland City 144.6 #139 Doyle 144.5 #140 Winfield 143.7 #141 Kenton 143.5 #142 Bean Station 143.1 #143 Big Rock 143.0 #144 McEwen 142.3 #145 Union City 141.6 #146 Samburg 140.9 #147 Whiteville 140.8 #148 Braden 140.7 #149 Jellico 140.7 #150 Livingston 140.6 #151 Mascot 140.5 #152 Kimball 140.3 #153 Gainesboro 139.9 #154 Caryville 139.8 #155 Minor Hill 138.8 #156 Jacksboro 138.6 #157 Halls 138.4 #158 Elkton 138.2 #159 Blountville 137.9 #160 Friendsville 137.1 #161 Bulls Gap 136.8 #162 Munford 136.5 #163 Medina 136.5 #164 Oak Hill 136.4 #165 Huntingdon 136.3 #166 Bethel Springs 136.1 #167 Centertown 135.9 #168 Silerton 135.1 #169 Three Way 135.1 #170 Lobelville 134.9 #171 Jefferson City 134.5 #172 Pigeon Forge 134.3 #173 Cowan 134.3 #174 Fall Branch 134.1 #175 Ridgeside 133.9 #176 Bells 133.7 #177 Tracy City 133.7 #178 Garland 133.5 #179 Seymour 133.5 #180 Clinton 133.5 #181 Winchester 133.4 #182 Martin 133.4 #183 Lexington 133.3 #184 Pikeville 133.2 #185 Ardmore 133.0 #186 Harrison 132.7 #187 Liberty 132.6 #188 Toone 132.4 #189 Bruceton 132.3 #190 Savannah 132.2 #191 Church Hill 132.0 #192 Vanleer 131.7 #193 Baileyton 131.0 #194 Ethridge 130.6 #195 Christiana 130.4 #196 Sewanee 130.3 #197 South Carthage 130.2 #198 Centerville 130.2 #199 Harriman 129.9 #200 Surgoinsville 129.6 #201 Pittman Center 129.2 #202 Morrison 128.7 #203 Oakland 128.7 #204 Bell Buckle 128.6 #205 Sparta 128.5 #206 Woodbury 128.5 #207 Grimsley 128.2 #208 Adams 128.2 #209 Jamestown 128.0 #210 Kingston 127.3 #211 Normandy 127.1 #212 Alexandria 126.7 #213 White Pine 126.4 #214 La Follette 126.3 #215 Elizabethton 126.3 #216 Greenback 126.2 #217 Powell 126.1 #218 Tazewell 125.8 #219 Watertown 125.7 #220 Morristown 125.5 #221 Oneida 125.3 #222 Dowelltown 125.2 #223 Rockford 125.0 #224 Sweetwater 124.9 #225 Dyersburg 124.3 #226 Paris 124.3 #227 Oliver Springs 124.2 #228 Lafayette 123.6 #229 Scotts Hill 123.3 #230 Estill Springs 123.3 #231 Mitchellville 123.2 #232 Sneedville 123.2 #233 Lenoir City 123.1 #234 Mooresburg 123.1 #235 Friendship 123.1 #236 Lakesite 122.8 #237 Lyles 122.5 #238 Burns 122.0 #239 Bolivar 121.9 #240 Dayton 121.9 #241 McMinnville 121.8 #242 Leoma 121.3 #243 Unionville 121.3 #244 Waverly 121.3 #245 Byrdstown 121.2 #246 Maynardville 121.1 #247 Bristol 121.0 #248 Blaine 121.0 #249 Pulaski 120.7 #250 Celina 120.6 #251 Townsend 120.3 #252 Decherd 120.1 #253 McKenzie 120.1 #254 Dunlap 119.8 #255 Viola 119.6 #256 Monterey 119.5 #257 Bartlett 119.2 #258 Middleton 119.1 #259 Milan 119.1 #260 Apison 118.8 #261 Red Boiling Springs 118.7 #262 Charlotte 118.6 #263 Cornersville 118.6 #264 Memphis 118.3 #265 Flintville 118.2 #266 Castalian Springs 118.1 #267 Crossville 117.9 #268 East Ridge 117.8 #269 Athens 117.8 #270 Atoka 117.3 #271 Signal Mountain 117.2 #272 Jonesborough 117.1 #273 Pegram 117.0 #274 White Bluff 117.0 #275 Erwin 116.9 #276 Gladeville 116.8 #277 Arlington 116.7 #278 Cross Plains 116.5 #279 Walland 116.0 #280 Loudon 115.8 #281 Tellico Plains 115.7 #282 Brownsville 115.4 #283 Westmoreland 115.2 #284 Ashland City 115.0 #285 Gordonsville 115.0 #286 Pleasant View 114.8 #287 Rocky Top 114.8 #288 Baxter 114.3 #289 Etowah 114.2 #290 Monteagle 114.1 #291 Germantown 113.9 #292 Oak Ridge 113.7 #293 Covington 113.6 #294 Carthage 113.5 #295 Louisville 113.4 #296 Eva 113.2 #297 Farragut 113.1 #298 Orlinda 112.8 #299 Dickson 112.7 #300 Rogersville 111.9 #301 Decatur 111.4 #302 La Vergne 111.3 #303 Hickory Valley 111.2 #304 Portland 111.0 #305 Rossville 111.0 #306 Wartrace 110.8 #307 Spring City 110.6 #308 Manchester 110.3 #309 White House 110.2 #310 Algood 110.2 #311 Dandridge 110.1 #312 Lakeland 109.3 #313 Kingston Springs 109.3 #314 Clarksville 109.1 #315 Lookout Mountain 109.1 #316 Collierville 108.9 #317 Walden 108.8 #318 Mount Pleasant 108.7 #319 Red Bank 108.1 #320 Tiptonville 108.1 #321 Smithville 108.1 #322 Fayetteville 107.9 #323 Springfield 107.7 #324 Greenbrier 107.5 #325 Knoxville 107.0 #326 Tullahoma 107.0 #327 Cumberland Gap 106.8 #328 Piperton 106.8 #329 Hilham 106.2 #330 Shelbyville 105.7 #331 Kingsport 105.6 #332 Mountain City 105.5 #333 Lawrenceburg 105.4 #334 Fairview 105.2 #335 Greeneville 105.2 #336 Chapel Hill 105.1 #337 Mount Juliet 104.8 #338 Ripley 104.6 #339 Vonore 104.6 #340 Rockvale 104.3 #341 Jackson 104.2 #342 Alcoa 104.0 #343 Newport 103.6 #344 Ridgetop 103.2 #345 Lewisburg 103.1 #346 Benton 102.8 #347 Unicoi 102.7 #348 Cleveland 102.6 #349 Nolensville 102.5 #350 Maryville 102.4 #351 Baneberry 101.9 #352 Collegedale 101.5 #353 Millington 101.4 #354 Sevierville 101.3 #355 Eagleville 101.3 #356 Norris 101.2 #357 Smyrna 101.0 #358 Gatlinburg 100.9 #359 Chattanooga 100.9 #360 Johnson City 100.9 #361 Erin 100.7 #362 Millersville 98.2 #363 Wartburg 97.4 #364 Gallatin 97.1 #365 Sale Creek 96.7 #366 Spring Hill 96.5 #367 Cookeville 94.6 #368 Hendersonville 94.5 #369 Columbia 94.4 #370 Lebanon 93.8 #371 Huntsville 93.1 #372 Madisonville 91.5 #373 Goodlettsville 90.7 #374 Murfreesboro 89.0 #375 Somerville 88.9 #376 Nashville 84.6 #377 Brentwood 82.9 #378 Franklin 82.7 #379 Berry Hill 80.5 #380 La Grange 80.0

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Tennessee MBR-HAI · 90-Day Trend

Tennessee

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors · Tennessee

$286,700

Median Home Value

U.S. median: varies by state

$69,595

Median Household Income

U.S. median: $80,734

4.1x

Price-to-Income Ratio

Home value ÷ income

$1,021/mo

Median Owner Costs

17.6% of income annually

$2,462/yr

Median Property Tax

0.86% effective rate

71.6%

Homeownership Rate

U.S. average: 65.7%

24.5%

Owner Cost Burden

% spending 30%+ of income on housing

7.184%

30-yr Mortgage Rate

State average • October 30, 2026

Source: U.S. Census Bureau American Community Survey and Current Population Survey. Mortgage rate from MBR live rate database.

How Tennessee Ranks Among All States

#23

of 51 states

Least Affordable Most Affordable

Tennessee is more affordable than 56% of U.S. states, Near National Average

103.7

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 19 states →
20	Georgia	105.8	Near National Average
21	North Carolina	104.6	Near National Average
22	Wisconsin	104.4	Near National Average
23	Tennessee You are here	103.7	Near National Average
24	Delaware	103.6	Near National Average
25	Wyoming	103.1	Near National Average
26	Illinois	102.2	Near National Average
▼ See all 51 state rankings →

Showing states ranked near Tennessee · October 30, 2026 • View complete national rankings →

Download Tennessee HAI Data

Tennessee History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-10-30,TN,103.7,97.4,7.184                

Download TN History (CSV)

All 51 States (CSV)

Compare Tennessee to every state

Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.

All States (CSV)

Cite the Tennessee MBR-HAI

Editorial / press citation

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Tennessee score: 103.7 (Near National Average), ranked #23 of 51 states. Methodology: monitorbankrates.com/housing-affordability-index-methodology”

APA 7th edition (academic)

Monitor Bank Rates LLC. (2026, October 30). MonitorBankRates (MBR) Housing Affordability Index: Tennessee [Data set]. https://www.monitorbankrates.com/housing-affordability-index/tennessee/

Press & Citation Resources · Tennessee

Ready-to-publish sentences using today's Tennessee data, an email template you can send to clients, and direct contact for press inquiries or custom data requests.

Ready-to-Publish Sentences

Each sentence updates daily with the live Tennessee score. Free for editorial use with attribution to MonitorBankRates.

News Lead · AP-style, factual

In Tennessee, the MonitorBankRates (MBR) Housing Affordability Index stood at 103.7 on October 30, 2026, ranking #23 of 51 U.S. states for homeownership affordability and indicating near national average conditions relative to the national baseline. The state-level reading combines Tennessee's 30-year mortgage rate average of 7.184% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.

Analyst Quote · with voice, attributable

“Tennessee's MonitorBankRates (MBR) Housing Affordability Index score of 103.7 places it #23 of 51 nationwide. Above the 100 baseline, that means buyer purchasing power in Tennessee is stronger than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 7.184%, and the index outperforms the national average.”

Brian McKay, MonitorBankRates

Social Media · concise, share-friendly

Casual / Blog · conversational

Housing affordability in Tennessee is currently sitting at 103.7 on the MonitorBankRates (MBR) Housing Affordability Index, ranking it #23 of 51 U.S. states. With 100 representing the long-term national baseline at a 6.5% reference rate, Tennessee's 30-year mortgage rate of 7.18% reflects near national average conditions for local buyers. The state outperforms the national average as a whole.

Mortgage Broker Email Template

Pre-written client update for Tennessee homebuyers. Personalize the bracketed fields and send.

SubjectHousing affordability snapshot for Tennessee: what it means for your search

Hi [Client Name], Wanted to share a quick affordability snapshot for Tennessee from the MonitorBankRates (MBR) Housing Affordability Index, a daily-updated composite that tracks how affordable U.S. homeownership is right now. Tennessee's current reading: 103.7 (Near National Average), rank #23 of 51 states National reading: 97.430-year mortgage rate average in Tennessee: 7.184% The index baseline of 100 represents long-run typical conditions at a 6.5% reference rate. Tennessee currently outperforms the national average. For full state context (including the 90-day trend, key affordability factors, and how Tennessee compares to neighboring states) see: https://www.monitorbankrates.com/housing-affordability-index/tennessee/ Always happy to discuss what this means for your specific situation. Best, [Your Name]

For Press & Researchers

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Explore Further

National MBR-HAI Rankings

See how Tennessee ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Tennessee Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Tennessee.