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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

Sardis, TN Housing Affordability Index

Sardis, Tennessee has an MBR Housing Affordability Index score of 152.1 (Highly Affordable) as of October 30, 2026, ranking 106th most affordable of 380 scored Tennessee cities, compared with 103.7 statewide and 97.4 nationally. On a median-priced $116,800 home with 20% down, the Tennessee average 30-year fixed rate of 7.18% means a monthly principal and interest payment of about $633, or 19% of the city’s $39,464 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Sardis 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.

Sardis MBR-HAI 152.1 Highly Affordable
Rank in Tennessee 106 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 $116,800 U.S. Census Bureau

Sardis is 48.3 points above the Tennessee score. Scores as of October 30, 2026. See the Tennessee index

View Sardis Mortgage Rates

What It Takes to Buy in Sardis

$633/mo
Principal & Interest
Median home, 20% down, 7.18%
$27,100
Income Needed
To keep the payment at 28% of income
$39,464
Median Household Income
Tennessee: $69,595
3.0x
Price-to-Income Ratio
Tennessee: 4.1x
$396/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$729/yr
Median Property Tax
0.62% of median value
27.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
51.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Sardis Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Sardis, Tennessee score: 152.1 (Highly Affordable), ranked 106 of 380 Tennessee cities. monitorbankrates.com/housing-affordability-index/tennessee/sardis”