37087 — Wilson County, Tennessee Market Snapshot
Housing market data for zip code 37087 in Wilson County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
48 sales in 2026 (year to date)
Median Sale Price
$296,450
Days to Sell
85
Homes Sold
48
Inventory
66
Sale-to-List
99.7%
New Listings
55
Price/SqFt
$186
Pending Sales
45
Conforming Loan Available
Most homebuyers in 37087 can comfortably use conventional financing. The median home price of $296,450 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 85 days on average, 37087 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 37087 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 37087 can comfortably use conventional financing. The median home price of $296,450 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 37087 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 37087
To purchase the median home at $296,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,421.
Monthly Payment
$2,421
Income Required
$103,770
Principal & Interest
$1,827/mo
Down Payment (5%)
$14,823
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 37087.
Estimated Monthly Payment
$1,985
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