37075 — Sumner County, Tennessee Market Snapshot
Housing market data for zip code 37075 in Sumner County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
266 sales in 2026 (year to date)
Median Sale Price
$519,946
Days to Sell
67
Homes Sold
266
Inventory
392
Sale-to-List
98.7%
New Listings
377
Price/SqFt
$227
Pending Sales
301
Conforming Loan Available
Most homebuyers in 37075 can comfortably use conventional financing. The median home price of $519,946 is well below the 2026 conforming loan limit of $1,029,250, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 67 days on average, 37075 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 37075 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 37075 can comfortably use conventional financing. The median home price of $519,946 is well below the 2026 conforming loan limit of $1,029,250, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 37075 are set at the county level.
2026 Loan Limits — Sumner County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,029,250 | $1,029,250 |
| 2 Units | $1,317,650 | $1,317,650 |
| 3 Units | $1,592,700 | $1,592,700 |
| 4 Units | $1,979,350 | $1,979,350 |
Affordability Snapshot — Zip 37075
To purchase the median home at $519,946 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,134.
Monthly Payment
$4,134
Income Required
$177,157
Principal & Interest
$3,204/mo
Down Payment (5%)
$25,997
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 37075.
Estimated Monthly Payment
$3,368
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