37876 — Jefferson County, Tennessee Market Snapshot
Housing market data for zip code 37876 in Jefferson County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
160 sales in 2026 (year to date)
Median Sale Price
$499,500
Days to Sell
68
Homes Sold
160
Inventory
606
Sale-to-List
96.3%
New Listings
424
Price/SqFt
$280
Pending Sales
243
Conforming Loan Available
Most homebuyers in 37876 can comfortably use conventional financing. The median home price of $499,500 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 68 days on average, 37876 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 37876 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 37876 can comfortably use conventional financing. The median home price of $499,500 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 37876 are set at the county level.
2026 Loan Limits — Jefferson 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 37876
To purchase the median home at $499,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,977.
Monthly Payment
$3,977
Income Required
$170,443
Principal & Interest
$3,078/mo
Down Payment (5%)
$24,975
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 37876.
Estimated Monthly Payment
$3,241
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