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City · 12,222 residents · Blount County, Tennessee

Alcoa , Tennessee

In Alcoa, a typical home is worth $277,100 and typical rent is $1,282 a month. Compared with all of Blount County, typical rent is 18% higher, typical household income is 15% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $277,100

    14% below the county

    3% below Tennessee

    • Alcoa
    • Blount
    • Tennessee

  • Typical rent

    $1,282a month

    18% above the county

    8% above Tennessee

    • Alcoa
    • Blount
    • Tennessee

  • Typical household income

    $65,714a year

    15% below the county

    6% below Tennessee

    • Alcoa
    • Blount
    • Tennessee

  • Households that own their home

    67%

    10 points below the county

    About the same as Tennessee

    • Alcoa
    • Blount
    • Tennessee

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$319,553
2.5% more than 12 months ago
Typical rent
$1,695 a month
2.3% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Alcoa is in Blount County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Blount County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Alcoa apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Eagleton Village, the typical home value is $197,700: 29% less than in Alcoa ($277,100).

  2. The typical rent in Alcoa is $1,282 a month, 18% more than in Blount County as a whole ($1,090).

  3. The typical household income in Alcoa is $65,714, 15% less than in Blount County as a whole ($77,365).

  4. 67% of households in Alcoa own their home, against 77% in Blount County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Alcoa

What homes there are in Alcoa, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in Alcoa (72%), but less so than in Blount County (77%).

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,309 a month

Blount County: $1,495 a month

Without a mortgage

$573 a month

Blount County: $462 a month

Owners with a mortgage

55%

Blount County: 59%

In Alcoa, 55% of owners have a mortgage, and their typical cost is $1,309 a month, against $1,495 in Blount County. Without one it drops to $573.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Alcoa gained value faster than in Blount County: 101% against 76%.

Since 2015–2019, the typical rent in Alcoa rose 61%, more than in Blount County (38%).

Here income did not keep up with housing: it rose 35%, while home values changed +101% and rent +61%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAlcoaBlount CountyTennesseeUnited States
Rental vacancy Unreliable estimate3.8%6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate2.0%2.2%3.4%
People per household 2.442.482.452.53
Drive alone 73%79%76%69%
Carpool 18%7%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 9%12%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Blount County, a household in Alcoa has 2.44 people on average.

More people carpool to work in Alcoa than in Blount County: 18% against 7%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Alcoa?

A typical home costs more than the typical income allows

We start with a typical home in Alcoa, worth $277,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Alcoa, which is $65,714 a year. For that payment to be 28% of income, a household would need to earn about $97,705 a year.

The calculator's FHA and conventional loan limits are those of all of Blount County.

Your numbers

Local data
$

Starts at the typical home value in Alcoa. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $9,699 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,280

at 7.18% · 30 years

Loan amount
$272,081
Total interest
$391,460
Paid off in
November 2056

Includes $4,680 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,533 a month

  • Tight

    $1,533 to $1,971 a month

  • Hard

    more than $1,971 a month

    Your payment · 42%

Compared with the typical household income in Alcoa ($65,714 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,280
Principal & interest$1,843
Property tax$199
Home insurance$116
FHA mortgage insurance (MIP)$123

You need at least $9,699 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Alcoa and Blount County

Alcoa is in Blount County, Tennessee. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Alcoa's own numbers

Typical home value
$277,100
Typical monthly rent
$1,282
Typical yearly household income
$65,714
Households that own their home
67%
Effective property tax rate
0.86%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Blount County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,475
Price change over 5 years (FHFA)
+74%
Homes in a high flood-risk zone
1.2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Blount County.

Everything about Blount County

Buying

Buying a home in Alcoa

A typical home in Alcoa is worth $277,100: 14% below the county and 3% below Tennessee. With the typical household income in Alcoa ($65,714 a year), a typical home costs 4.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Alcoa 4.2 years
  • Blount 4.1 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Blount County

According to FHFA’s house price index, home prices in Blount County rose 125% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Blount County.

Period County Tennessee U.S.
Last year (2025) +0.1% +2.4% +2.9%
5 years (2020–2025) +74% +60% +47%
10 years (2015–2025) +125% +114% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Alcoa next to Blount County, Tennessee and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Alcoa $277,100
  • Blount $320,500
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Alcoa $1,282
  • Blount $1,090
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Alcoa $65,714
  • Blount $77,365
  • Tennessee $69,595
  • United States $80,734
See the full table
Alcoa next to Blount County and Tennessee
Measure Alcoa Blount County Tennessee U.S.
Typical home value $277,100 $320,500 $286,700 $332,700
Typical monthly rent $1,282 $1,090 $1,189 $1,413
Typical yearly household income $65,714 $77,365 $69,595 $80,734
Households that own their home 67% 77% 67% 65%
Typical yearly property tax $2,389 $1,453 $1,442 $3,119
Effective property tax rate 0.86% 0.45% 0.5% 0.94%
Renters with high rent for their income 48% 40% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Blount County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Alcoa

For a typical $277,100 home in Alcoa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Alcoa's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,280a month

    Least cash to close
    Down payment
    $9,699
    Cash to close
    $18,012
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $123

  • Conventional, 5% down $2,229a month

    Down payment
    $13,855
    Cash to close
    $22,168
    Rate
    7.18%
    Mortgage insurance
    PMI · $132

  • Conventional, 20% down, no PMI $1,816a month

    Down payment
    $55,420
    Cash to close
    $63,733
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,072a month

    Down payment
    $41,565
    Cash to close
    $49,878
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Alcoa and for Blount County.

Property tax

Effective rate in Alcoa

0.86%of the home’s value each year

$2,389 a year for the typical owner in Alcoa.

  • Alcoa 0.86%
  • Blount 0.45%
  • Tennessee 0.5%

What Tennessee publishes Property tax relief for older, disabled and disabled-veteran homeowners (Tennessee Comptroller of the Treasury, 2026 Property Tax Relief Program brochure)

Exemptions and deadlines in Tennessee

Flood risk in Blount County

FEMA does not publish these numbers by city: they are for all of Blount County.

Homes in the high-risk zone
1.2%
679
Of those, with NFIP insurance
23%
County Tennessee U.S.
Homes in the high-risk zone 1.2% 1.6% 3.5%
Of those, with NFIP insurance 23% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Alcoa

Typical rent in Alcoa is $1,282 a month: 18% above the county. In Alcoa, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Blount County, by unit size. To pay the 2-bedroom one ($1,475 a month) without spending more than 30% of your income, you would need to earn $28.37 an hour working full time.

HUD fair market rent for all of Blount County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,171 $22.52 $46,840
1 bedroom $1,178 $22.65 $47,120
2 bedrooms $1,475 $28.37 $59,000
3 bedrooms $1,844 $35.46 $73,760
4 bedrooms $2,122 $40.81 $84,880

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Alcoa

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Alcoa has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,030 in 37777 to $1,560 in 37701.

1 of the 3 is above the fair market rent for Blount County ($1,475).

  • 37701 $1,560$1,950
  • 37777 $1,030$1,290
  • 37804 $1,450$1,810

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Alcoa when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Alcoa

HUD lists one building with rents for lower incomes in Alcoa.

  • Meadowood Apartments 944 N Wright Rd, Alcoa 37701 100 homes, 99 low-income · For families (865) 982-4802

See all 12 buildings in Blount County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Alcoa

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Blount County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Alcoa

No down payment, repair or rent-help program on our list is for Alcoa or Blount County. The ones below are statewide in Tennessee: they work in Alcoa the same as in the rest of the state.

Which programs do I qualify for? All programs in Tennessee

  • Great Choice Plus

    Statewide in Tennessee

    Tennessee state agency help with the down payment and closing costs alongside the Great Choice mortgage: $6,000 or $10,000 forgivable over 10 years with no payments, or up to 5% of the price (maximum $15,000) as a 30-year second mortgage. Offered by Tennessee Housing Development Agency (THDA).

    ForgivableRepayable

    See the program Official page

Housing counselors near Alcoa

The HUD-approved agencies closest to the center of Alcoa, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • University of Tennessee Extension Office

    2621 Morgan Cir, Knoxville · 9 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (865) 974-7349

  • KNOX HOUSING PARTNERSHIP, INCORPORATED dba HOMESOURCE EAST TENNESSEE

    109 Winona St, Knoxville · 12 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (865) 637-1679

  • Knoxville Area Urban League

    1514 E 5th Ave, Knoxville · 12 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (865) 524-5511

All counseling agencies in Tennessee

Help in Spanish near Alcoa

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Alcoa

In HUD’s record, no housing authority with an office in Blount County is named for Alcoa or Blount County.

One other authority has an office in Blount County: see the list Source: HUD

Cities

Other cities in Blount County

These cities are also in Blount County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Blount County Housing in Tennessee

Nearby cities

The cities closest to Alcoa, with the typical home value.

Neighboring counties

If Blount County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Alcoa.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Alcoa

Short answers with the numbers for Alcoa and all of Blount County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Alcoa?

The typical home value in Alcoa is $277,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Blount County it is $320,500.

How much does it cost to rent in Alcoa?

Typical rent in Alcoa is $1,282 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Blount County is $1,475.

What is the FHA loan limit in Alcoa?

Alcoa uses the FHA limit for all of Blount County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Alcoa?

The typical homeowner in Alcoa pays $2,389 a year, according to the U.S. Census Bureau. That is 0.86% of the home’s value; in Blount County, the rate is 0.45%.

Where can I find free help to buy or rent in Alcoa?

We found no HUD-approved counseling agencies with an office in Blount County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).