38464 — Lewis County, Tennessee Market Snapshot
Housing market data for zip code 38464 in Lewis County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
58 sales in 2026 (year to date)
Median Sale Price
$272,750
Days to Sell
73
Homes Sold
58
Inventory
108
Sale-to-List
98.1%
New Listings
88
Price/SqFt
$169
Pending Sales
73
Conforming Loan Available
Most homebuyers in 38464 can comfortably use conventional financing. The median home price of $272,750 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 73 days on average, 38464 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
Homes are selling very close to asking price in 38464 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 38464 can comfortably use conventional financing. The median home price of $272,750 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 38464 are set at the county level.
2026 Loan Limits — Lewis 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 38464
To purchase the median home at $272,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,240.
Monthly Payment
$2,240
Income Required
$95,988
Principal & Interest
$1,681/mo
Down Payment (5%)
$13,638
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 38464.
Estimated Monthly Payment
$1,838
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