37681 — Greene County, Tennessee Market Snapshot
Housing market data for zip code 37681 in Greene County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$298,500
Days to Sell
109
Homes Sold
20
Inventory
26
Sale-to-List
97.3%
New Listings
26
Price/SqFt
$185
Pending Sales
27
Conforming Loan Available
Most homebuyers in 37681 can comfortably use conventional financing. The median home price of $298,500 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 109 days on average, 37681 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 37681 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 37681 can comfortably use conventional financing. The median home price of $298,500 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 37681 are set at the county level.
2026 Loan Limits — Greene 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 37681
To purchase the median home at $298,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,437.
Monthly Payment
$2,437
Income Required
$104,443
Principal & Interest
$1,839/mo
Down Payment (5%)
$14,925
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 37681.
Estimated Monthly Payment
$1,997
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