37771 — Loudon County, Tennessee Market Snapshot
Housing market data for zip code 37771 in Loudon County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
85 sales in 2026 (year to date)
Median Sale Price
$419,300
Days to Sell
60
Homes Sold
85
Inventory
95
Sale-to-List
97.5%
New Listings
111
Price/SqFt
$218
Pending Sales
94
Conforming Loan Available
Most homebuyers in 37771 can comfortably use conventional financing. The median home price of $419,300 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 60 days on average, 37771 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 37771 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 37771 can comfortably use conventional financing. The median home price of $419,300 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 37771 are set at the county level.
2026 Loan Limits — Loudon 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 37771
To purchase the median home at $419,300 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,363.
Monthly Payment
$3,363
Income Required
$144,109
Principal & Interest
$2,584/mo
Down Payment (5%)
$20,965
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 37771.
Estimated Monthly Payment
$2,745
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