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City · 5,424 residents · Cheatham County, Tennessee

Ashland City , Tennessee

In Ashland City, a typical home is worth $294,100 and typical rent is $1,336 a month. Compared with all of Cheatham County, the typical home value is 13% lower, typical household income is 12% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $294,100

    13% below the county

    3% above Tennessee

    • Ashland City
    • Cheatham
    • Tennessee

  • Typical rent

    $1,336a month

    About the same as the county

    12% above Tennessee

    • Ashland City
    • Cheatham
    • Tennessee

  • Typical household income

    $79,231a year

    12% below the county

    14% above Tennessee

    • Ashland City
    • Cheatham
    • Tennessee

  • Households that own their home

    62%

    20 points below the county

    5 points below Tennessee

    • Ashland City
    • Cheatham
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$349,829
1% more than 12 months ago
Typical rent
$1,626 a month
1% more than 12 months ago

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

Ashland City is in Cheatham County. The FHA loan limit ($1,029,250 for a one-unit home), the fair market rents and the help on this page are those of all of Cheatham County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ashland City apart

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

  1. 62% of households in Ashland City own their home, against 82% in Cheatham County.

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

The homes here

Housing in Ashland City

What homes there are in Ashland City, 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

No kind of home is the majority in Ashland City; the largest group, detached houses, adds up to 49%, less than in Cheatham County (80%).

Year built

Here half of the homes date from 2002 or later; in Cheatham County, from 1992 or later.

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

$1,623 a month

Cheatham County: $1,683 a month

Without a mortgage

$466 a month

Cheatham County: $485 a month

Owners with a mortgage

72%

Cheatham County: 60%

In Ashland City, 72% of owners have a mortgage; their typical cost is $1,623 a month, about the same as in Cheatham County.

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 Ashland City gained value faster than in Cheatham County: 108% against 81%.

Since 2015–2019, the typical rent in Ashland City did not change clearly, according to the Census.

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

MeasureAshland CityCheatham CountyTennesseeUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.1%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 2.452.552.452.53
Drive alone 71%75%76%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 12%14%13%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

A household in Ashland City has 2.45 people on average, about the same as in Cheatham County (2.55).

To get to work, 71% of workers in Ashland City drive alone; in Cheatham County, 75%.

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 Ashland City?

A typical home is tight for the typical income

We start with a typical home in Ashland City, worth $294,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Ashland City, which is $79,231 a year. For that payment to be 28% of income, a household would need to earn about $99,392 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Ashland City. 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 $10,294 (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

$2,319

at 7.18% · 30 years

Loan amount
$288,773
Total interest
$415,476
Paid off in
November 2056

Includes $4,967 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,849 a month

  • Tight

    $1,849 to $2,377 a month

    Your payment · 35%

  • Hard

    more than $2,377 a month

Compared with the typical household income in Ashland City ($79,231 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,319
Principal & interest$1,956
Property tax$110
Home insurance$123
FHA mortgage insurance (MIP)$130

You need at least $10,294 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

Ashland City and Cheatham County

Ashland City is in Cheatham 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).

Ashland City's own numbers

Typical home value
$294,100
Typical monthly rent
$1,336
Typical yearly household income
$79,231
Households that own their home
62%
Effective property tax rate
0.45%

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

Numbers for all of Cheatham County

FHA limit, one-unit home
$1,029,250
Conventional limit, one unit
$1,029,250
HUD fair market rent, 2 bedrooms
$1,798
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
2.7%

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 Cheatham County.

Everything about Cheatham County

Buying

Buying a home in Ashland City

A typical home in Ashland City is worth $294,100: 13% below the county and 3% above Tennessee. With the typical household income in Ashland City ($79,231 a year), a typical home costs 3.7 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.

  • Ashland City 3.7 years
  • Cheatham 3.8 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cheatham County

According to FHFA’s house price index, home prices in Cheatham County rose 121% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) −0.1% +2.4% +2.9%
5 years (2020–2025) +56% +60% +47%
10 years (2015–2025) +121% +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

Ashland City next to Cheatham 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
  • Ashland City $294,100
  • Cheatham $338,700
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Ashland City $1,336
  • Cheatham $1,345
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Ashland City $79,231
  • Cheatham $89,852
  • Tennessee $69,595
  • United States $80,734
See the full table
Ashland City next to Cheatham County and Tennessee
Measure Ashland City Cheatham County Tennessee U.S.
Typical home value $294,100 $338,700 $286,700 $332,700
Typical monthly rent $1,336 $1,345 $1,189 $1,413
Typical yearly household income $79,231 $89,852 $69,595 $80,734
Households that own their home 62% 82% 67% 65%
Typical yearly property tax $1,338 $1,582 $1,442 $3,119
Effective property tax rate 0.45% 0.47% 0.5% 0.94%
Renters with high rent for their income 49% 49% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cheatham 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 Ashland City

For a typical $294,100 home in Ashland City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ashland City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,319a month

    Least cash to close
    Down payment
    $10,294
    Cash to close
    $19,117
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $130

  • Conventional, 5% down $2,265a month

    Down payment
    $14,705
    Cash to close
    $23,528
    Rate
    7.18%
    Mortgage insurance
    PMI · $140

  • Conventional, 20% down, no PMI $1,827a month

    Down payment
    $58,820
    Cash to close
    $67,643
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,099a month

    Down payment
    $44,115
    Cash to close
    $52,938
    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 Ashland City and for Cheatham County.

Property tax

Effective rate in Ashland City

0.45%of the home’s value each year

$1,338 a year for the typical owner in Ashland City.

  • Ashland City 0.45%
  • Cheatham 0.47%
  • 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 Cheatham County

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

Homes in the high-risk zone
2.7%
441
Of those, with NFIP insurance
37%
County Tennessee U.S.
Homes in the high-risk zone 2.7% 1.6% 3.5%
Of those, with NFIP insurance 37% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ashland City

Typical rent in Ashland City is $1,336 a month: about the same as the county. In Ashland City, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cheatham County, by unit size. To pay the 2-bedroom one ($1,798 a month) without spending more than 30% of your income, you would need to earn $34.58 an hour working full time.

HUD fair market rent for all of Cheatham 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 $1,585 $30.48 $63,400
1 bedroom $1,650 $31.73 $66,000
2 bedrooms $1,798 $34.58 $71,920
3 bedrooms $2,309 $44.40 $92,360
4 bedrooms $2,799 $53.83 $111,960

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 Ashland City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ashland City is in ZIP code 37015.

For 2 bedrooms it is $1,540: $258 less than the fair market rent for Cheatham County ($1,798).

  • 37015 $1,540$1,980

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ashland City 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 Ashland City

HUD lists 2 buildings with rents for lower incomes in Ashland City. These are the largest.

  • Sycamore Place Apts 1657 Highway 12 S, Ashland City 37015 96 low-income homes · 2 bd: 64 · 3 bd: 32 · In service since 2003 · For families
  • Forest Oaks Apartments 2150 Bell St, Ashland City 37015 41 low-income homes · 1 bd: 4 · 2 bd: 32 · 3 bd: 5 · In service since 2016 · For families

See all 2 buildings in Cheatham County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ashland City

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 Cheatham County. The nearest ones are below; many serve by phone or online.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Ashland City

No down payment, repair or rent-help program on our list is for Ashland City or Cheatham County. The ones below are statewide in Tennessee: they work in Ashland City 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 Ashland City

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

  • William Franklin Buchanan CDC

    4121 Clarksville Pike, Nashville · 11 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (615) 669-2454

  • Operation Hope- Nashville Mso Branch

    2013 Jefferson St, Nashville · 14 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (615) 601-2920

  • Affordable Housing Resources of Nashville, Inc

    1 Vantage Way Ste C130, Nashville · 14 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (615) 251-0025

All counseling agencies in Tennessee

Help in Spanish near Ashland City

None of the 3 agencies on this list say they serve 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 Ashland City

HUD lists no housing authority with an office in Cheatham County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Tennessee Source: HUD

Cities

Other cities in Cheatham County

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

Everything about Cheatham County Housing in Tennessee

Nearby cities

The cities closest to Ashland City, with the typical home value.

Neighboring counties

If Cheatham 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 Ashland City.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Ashland City

Short answers with the numbers for Ashland City and all of Cheatham 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 Ashland City?

The typical home value in Ashland City is $294,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cheatham County it is $338,700.

How much does it cost to rent in Ashland City?

Typical rent in Ashland City is $1,336 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cheatham County is $1,798.

What is the FHA loan limit in Ashland City?

Ashland City uses the FHA limit for all of Cheatham County (2026): $1,029,250 for a one-unit home and $1,979,350 for a four-unit home.

How much property tax do owners pay in Ashland City?

The typical homeowner in Ashland City pays $1,338 a year, according to the U.S. Census Bureau. That is 0.45% of the home’s value; in Cheatham County, the rate is 0.47%.

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

We found no HUD-approved counseling agencies with an office in Cheatham 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).