38012 — Haywood County, Tennessee Market Snapshot
Housing market data for zip code 38012 in Haywood County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$166,000
Days to Sell
100
Homes Sold
23
Inventory
44
Sale-to-List
93.8%
New Listings
30
Price/SqFt
$103
Pending Sales
27
Conforming Loan Available
Most homebuyers in 38012 can comfortably use conventional financing. The median home price of $166,000 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 100 days on average, 38012 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 38012 sells for 6.2% below asking price (93.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 38012 can comfortably use conventional financing. The median home price of $166,000 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 38012 are set at the county level.
2026 Loan Limits — Haywood 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 38012
To purchase the median home at $166,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,422.
Monthly Payment
$1,422
Income Required
$60,936
Principal & Interest
$1,023/mo
Down Payment (5%)
$8,300
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 38012.
Estimated Monthly Payment
$1,177
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