37076 — Wilson County, Tennessee Market Snapshot
Housing market data for zip code 37076 in Wilson County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$322,495
Days to Sell
110
Homes Sold
24
Inventory
22
Sale-to-List
98.1%
New Listings
23
Price/SqFt
$228
Pending Sales
20
Conforming Loan Available
Most homebuyers in 37076 can comfortably use conventional financing. The median home price of $322,495 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 110 days on average, 37076 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 37076 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 37076 can comfortably use conventional financing. The median home price of $322,495 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 37076 are set at the county level.
2026 Loan Limits — Wilson 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 37076
To purchase the median home at $322,495 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,621.
Monthly Payment
$2,621
Income Required
$112,322
Principal & Interest
$1,987/mo
Down Payment (5%)
$16,125
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 37076.
Estimated Monthly Payment
$2,146
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