37686 — Washington County, Tennessee Market Snapshot
Housing market data for zip code 37686 in Washington County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$477,500
Days to Sell
58
Homes Sold
37
Inventory
40
Sale-to-List
98.4%
New Listings
49
Price/SqFt
$209
Pending Sales
46
Conforming Loan Available
Most homebuyers in 37686 can comfortably use conventional financing. The median home price of $477,500 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
37686's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 37686 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 37686 can comfortably use conventional financing. The median home price of $477,500 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 37686 are set at the county level.
2026 Loan Limits — Washington 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 37686
To purchase the median home at $477,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,808.
Monthly Payment
$3,808
Income Required
$163,219
Principal & Interest
$2,942/mo
Down Payment (5%)
$23,875
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 37686.
Estimated Monthly Payment
$3,105
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