37085 — Wilson County, Tennessee Market Snapshot
Housing market data for zip code 37085 in Wilson County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$560,000
Days to Sell
54
Homes Sold
23
Inventory
30
Sale-to-List
97.1%
New Listings
36
Price/SqFt
$256
Pending Sales
28
Conforming Loan Available
Most homebuyers in 37085 can comfortably use conventional financing. The median home price of $560,000 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
37085's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 37085 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 37085 can comfortably use conventional financing. The median home price of $560,000 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 37085 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 37085
To purchase the median home at $560,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,441.
Monthly Payment
$4,441
Income Required
$190,309
Principal & Interest
$3,451/mo
Down Payment (5%)
$28,000
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 37085.
Estimated Monthly Payment
$3,616
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