37362 — Polk County, Tennessee Market Snapshot
Housing market data for zip code 37362 in Polk County, Tennessee. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 4 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Polk County county page for broader data.
Market Sales Data
4 sales in 2026 (year to date)
Median Sale Price
$319,500
Days to Sell
46
Homes Sold
4
Inventory
10
Conforming Loan Available
Most homebuyers in 37362 can comfortably use conventional financing. The median home price of $319,500 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
37362's market is balanced with homes taking an average of 46 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 37362 can comfortably use conventional financing. The median home price of $319,500 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 37362 are set at the county level.
2026 Loan Limits — Polk 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 37362
To purchase the median home at $319,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,598.
Monthly Payment
$2,598
Income Required
$111,339
Principal & Interest
$1,969/mo
Down Payment (5%)
$15,975
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 37362.
Estimated Monthly Payment
$2,127
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