37205 — Davidson County, Tennessee Market Snapshot
Housing market data for zip code 37205 in Davidson County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
129 sales in 2026 (year to date)
Median Sale Price
$1,100,000
Days to Sell
89
Homes Sold
129
Inventory
228
Sale-to-List
95.8%
New Listings
211
Price/SqFt
$404
Pending Sales
168
Jumbo Loan Likely Needed
The median home in 37205 at $1,100,000 exceeds the 2026 conforming loan limit of $1,029,250 by $70,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 89 days on average, 37205 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 37205 sells for 4.2% below asking price (95.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 37205 at $1,100,000 exceeds the 2026 conforming loan limit of $1,029,250 by $70,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 37205 are set at the county level.
2026 Loan Limits — Davidson County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,029,250 | $1,029,250 |
| 2 Units | $1,317,650 | $1,317,650 |
| 3 Units | $1,592,700 | $1,592,700 |
| 4 Units | $1,979,350 | $1,979,350 |
Affordability Snapshot — Zip 37205
To purchase the median home at $1,100,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,578.
Monthly Payment
$8,578
Income Required
$367,622
Principal & Interest
$6,778/mo
Down Payment (5%)
$55,000
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 37205.
Estimated Monthly Payment
$6,958
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