37183 — Bedford County, Tennessee Market Snapshot
Housing market data for zip code 37183 in Bedford County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$385,157
Days to Sell
71
Homes Sold
10
Inventory
20
Sale-to-List
97.4%
New Listings
16
Price/SqFt
$220
Pending Sales
14
Conforming Loan Available
Most homebuyers in 37183 can comfortably use conventional financing. The median home price of $385,157 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 71 days on average, 37183 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 37183 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 37183 can comfortably use conventional financing. The median home price of $385,157 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 37183 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 37183
To purchase the median home at $385,157 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,101.
Monthly Payment
$3,101
Income Required
$132,898
Principal & Interest
$2,373/mo
Down Payment (5%)
$19,258
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 37183.
Estimated Monthly Payment
$2,534
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