37618 — Sullivan County, Tennessee Market Snapshot
Housing market data for zip code 37618 in Sullivan County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$337,500
Days to Sell
70
Homes Sold
39
Inventory
52
Sale-to-List
97.6%
New Listings
61
Price/SqFt
$179
Pending Sales
50
Conforming Loan Available
Most homebuyers in 37618 can comfortably use conventional financing. The median home price of $337,500 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 70 days on average, 37618 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 37618 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 37618 can comfortably use conventional financing. The median home price of $337,500 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 37618 are set at the county level.
2026 Loan Limits — Sullivan 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 37618
To purchase the median home at $337,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,736.
Monthly Payment
$2,736
Income Required
$117,249
Principal & Interest
$2,080/mo
Down Payment (5%)
$16,875
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 37618.
Estimated Monthly Payment
$2,239
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