37764 — Knox County, Tennessee Market Snapshot
Housing market data for zip code 37764 in Knox County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$385,000
Days to Sell
100
Homes Sold
29
Inventory
86
Sale-to-List
96.3%
New Listings
81
Price/SqFt
$201
Pending Sales
45
Conforming Loan Available
Most homebuyers in 37764 can comfortably use conventional financing. The median home price of $385,000 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, 37764 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 37764 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 37764 can comfortably use conventional financing. The median home price of $385,000 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 37764 are set at the county level.
2026 Loan Limits — Knox 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 37764
To purchase the median home at $385,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,100.
Monthly Payment
$3,100
Income Required
$132,846
Principal & Interest
$2,372/mo
Down Payment (5%)
$19,250
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 37764.
Estimated Monthly Payment
$2,533
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 37764. Tell us what you're looking for.