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City · 9,292 residents · Sullivan County, Tennessee

Bloomingdale , Tennessee

In Bloomingdale, a typical home is worth $165,500 and typical rent is $836 a month. Compared with all of Sullivan County, the typical home value is 22% lower and typical household income is 11% lower.

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  • Typical home value

    $165,500

    22% below the county

    42% below Tennessee

    • Bloomingdale
    • Sullivan
    • Tennessee

  • Typical rent

    $836a month

    6% below the county

    30% below Tennessee

    • Bloomingdale
    • Sullivan
    • Tennessee

  • Typical household income

    $52,317a year

    11% below the county

    25% below Tennessee

    • Bloomingdale
    • Sullivan
    • Tennessee

  • Households that own their home

    75%

    3 points above the county

    8 points above Tennessee

    • Bloomingdale
    • Sullivan
    • Tennessee

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

Bloomingdale is in Sullivan 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 Sullivan County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bloomingdale apart

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

  1. Bloomingdale has the smallest share of rent-burdened renters of the 101 cities in Tennessee with more than 5,000 people: 20%.

  2. The typical home in Bloomingdale is worth $165,500, 22% less than in Sullivan County as a whole ($213,300).

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

The homes here

Housing in Bloomingdale

What homes there are in Bloomingdale, 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

The detached house rules in Bloomingdale: 80% of homes, more than in Sullivan County (70%).

There are more mobile homes here than in Sullivan County: 14% of homes, against 10%.

Year built

The typical year built in Bloomingdale is 1974, about the same as in Sullivan County (1977).

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

At least 95% of owner-occupied homes in Bloomingdale are worth less than $500,000, below the FHA loan limit for Sullivan County ($541,287).

Monthly rent with utilities

With a mortgage

$947 a month

Sullivan County: $1,290 a month

Without a mortgage

$332 a month

Sullivan County: $417 a month

Owners with a mortgage

43%

Sullivan County: 50%

Owning costs less in Bloomingdale: with a mortgage, the typical cost is $947 a month; in Sullivan County, $1,290. Without one, $332.

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

Much as in Sullivan County, the typical home value in Bloomingdale rose 51% since 2015–2019.

The typical rent in Bloomingdale rose 43% over the same time; in Sullivan County, it rose 33%.

Housing prices ran ahead of income in Bloomingdale: typical income rose 25%, against +51% for home values and +43% for rent.

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

MeasureBloomingdaleSullivan CountyTennesseeUnited States
Rental vacancy Unreliable estimate5.1%6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.3%2.2%3.4%
People per household 2.332.302.452.53
Drive alone 82%80%76%69%
Carpool 10%7%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home Unreliable estimate11%13%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Bloomingdale has 2.33 people on average, about the same as in Sullivan County (2.30).

In Bloomingdale, 82% of workers drive alone to work; in Sullivan County, 80%.

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 Bloomingdale?

A typical home is tight for the typical income

We start with a typical home in Bloomingdale, worth $165,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Bloomingdale, which is $52,317 a year. For that payment to be 28% of income, a household would need to earn about $56,109 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Bloomingdale. 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 $5,793 (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

$1,309

at 7.18% · 30 years

Loan amount
$162,502
Total interest
$233,802
Paid off in
November 2056

Includes $2,795 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,221 a month

  • Tight

    $1,221 to $1,570 a month

    Your payment · 30%

  • Hard

    more than $1,570 a month

Compared with the typical household income in Bloomingdale ($52,317 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,309
Principal & interest$1,101
Property tax$66
Home insurance$69
FHA mortgage insurance (MIP)$73

You need at least $5,793 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

Bloomingdale and Sullivan County

Bloomingdale is in Sullivan 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).

Bloomingdale's own numbers

Typical home value
$165,500
Typical monthly rent
$836
Typical yearly household income
$52,317
Households that own their home
75%
Effective property tax rate
0.48%

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

Numbers for all of Sullivan County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,091
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
1.6%

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 Sullivan County.

Everything about Sullivan County

Buying

Buying a home in Bloomingdale

A typical home in Bloomingdale is worth $165,500: 22% below the county and 42% below Tennessee. With the typical household income in Bloomingdale ($52,317 a year), a typical home costs 3.2 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.

  • Bloomingdale 3.2 years
  • Sullivan 3.6 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sullivan County

According to FHFA’s house price index, home prices in Sullivan County rose 101% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +1.3% +2.4% +2.9%
5 years (2020–2025) +69% +60% +47%
10 years (2015–2025) +101% +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

Bloomingdale next to Sullivan 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
  • Bloomingdale $165,500
  • Sullivan $213,300
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Bloomingdale $836
  • Sullivan $889
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Bloomingdale $52,317
  • Sullivan $58,807
  • Tennessee $69,595
  • United States $80,734
See the full table
Bloomingdale next to Sullivan County and Tennessee
Measure Bloomingdale Sullivan County Tennessee U.S.
Typical home value $165,500 $213,300 $286,700 $332,700
Typical monthly rent $836 $889 $1,189 $1,413
Typical yearly household income $52,317 $58,807 $69,595 $80,734
Households that own their home 75% 72% 67% 65%
Typical yearly property tax $787 $1,234 $1,442 $3,119
Effective property tax rate 0.48% 0.58% 0.5% 0.94%
Renters with high rent for their income 20% 44% 49% 51%

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

For a typical $165,500 home in Bloomingdale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bloomingdale's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,309a month

    Least cash to close
    Down payment
    $5,793
    Cash to close
    $10,758
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $73

  • Conventional, 5% down $1,279a month

    Down payment
    $8,275
    Cash to close
    $13,240
    Rate
    7.18%
    Mortgage insurance
    PMI · $79

  • Conventional, 20% down, no PMI $1,032a month

    Down payment
    $33,100
    Cash to close
    $38,065
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,185a month

    Down payment
    $24,825
    Cash to close
    $29,790
    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 Bloomingdale and for Sullivan County.

Property tax

Effective rate in Bloomingdale

0.48%of the home’s value each year

$787 a year for the typical owner in Bloomingdale.

  • Bloomingdale 0.48%
  • Sullivan 0.58%
  • 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 Sullivan County

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

Homes in the high-risk zone
1.6%
966
Of those, with NFIP insurance
19%
County Tennessee U.S.
Homes in the high-risk zone 1.6% 1.6% 3.5%
Of those, with NFIP insurance 19% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bloomingdale

Typical rent in Bloomingdale is $836 a month: 6% below the county. In Bloomingdale, 20% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sullivan County, by unit size. To pay the 2-bedroom one ($1,091 a month) without spending more than 30% of your income, you would need to earn $20.98 an hour working full time.

HUD fair market rent for all of Sullivan 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 $760 $14.62 $30,400
1 bedroom $845 $16.25 $33,800
2 bedrooms $1,091 $20.98 $43,640
3 bedrooms $1,375 $26.44 $55,000
4 bedrooms $1,465 $28.17 $58,600

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 Bloomingdale

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bloomingdale is in ZIP code 37660.

For 2 bedrooms it is $1,170: $79 more than the fair market rent for Sullivan County ($1,091).

  • 37660 $1,170$1,470

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

Free help

Help to buy or rent in Bloomingdale

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Bloomingdale

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

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

  • Eastern Eight Community Development Corp.

    3 Limited Centre St, Johnson City · 18 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (423) 232-5097

  • Telamon Corporation - Tennessee Branch

    100 Erin Ln, Bulls Gap · 39 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (984) 365-6571

  • Clinch-Powell Resource Conservation and Development Council, Inc

    7995 Rutledge Pike, Rutledge · 60 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (865) 828-5927

All counseling agencies in Tennessee

Help in Spanish near Bloomingdale

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 Bloomingdale

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

2 other authorities have an office in Sullivan County: see the list Source: HUD

Cities

Other cities in Sullivan County

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

Everything about Sullivan County Housing in Tennessee

Nearby cities

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

Neighboring counties

If Sullivan 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 Bloomingdale.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Bloomingdale

Short answers with the numbers for Bloomingdale and all of Sullivan 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 Bloomingdale?

The typical home value in Bloomingdale is $165,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sullivan County it is $213,300.

How much does it cost to rent in Bloomingdale?

Typical rent in Bloomingdale is $836 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sullivan County is $1,091.

What is the FHA loan limit in Bloomingdale?

Bloomingdale uses the FHA limit for all of Sullivan 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 Bloomingdale?

The typical homeowner in Bloomingdale pays $787 a year, according to the U.S. Census Bureau. That is 0.48% of the home’s value; in Sullivan County, the rate is 0.58%.

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

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