37091 — Bedford County, Tennessee Market Snapshot
Housing market data for zip code 37091 in Bedford County, Tennessee. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 7 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Bedford County county page for broader data.
Market Sales Data
7 sales in 2026 (year to date)
Median Sale Price
$239,990
Days to Sell
181
Homes Sold
7
Inventory
14
Conforming Loan Available
Most homebuyers in 37091 can comfortably use conventional financing. The median home price of $239,990 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 181 days on average, 37091 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 37091 can comfortably use conventional financing. The median home price of $239,990 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 37091 are set at the county level.
2026 Loan Limits — Bedford County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 37091
To purchase the median home at $239,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,989.
Monthly Payment
$1,989
Income Required
$85,231
Principal & Interest
$1,479/mo
Down Payment (5%)
$12,000
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 37091.
Estimated Monthly Payment
$1,635
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