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City · 9,622 residents · Haywood County, Tennessee

Brownsville , Tennessee

In Brownsville, a typical home is worth $158,100 and typical rent is $767 a month. Compared with all of Haywood County, typical household income is 14% lower and the share of households that own their home is 13 points lower.

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  • Typical home value

    $158,100

    4% above the county

    45% below Tennessee

    • Brownsville
    • Haywood
    • Tennessee

  • Typical rent

    $767a month

    About the same as the county

    35% below Tennessee

    • Brownsville
    • Haywood
    • Tennessee

  • Typical household income

    $43,494a year

    14% below the county

    38% below Tennessee

    • Brownsville
    • Haywood
    • Tennessee

  • Households that own their home

    48%

    13 points below the county

    19 points below Tennessee

    • Brownsville
    • Haywood
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$169,294
1.2% more than 12 months ago
Typical rent
$867 a month

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

Brownsville is in Haywood 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 Haywood County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Brownsville apart

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

  1. Nearby, in Humboldt, the typical home value is $102,300: 35% less than in Brownsville ($158,100).

  2. 48% of households in Brownsville own their home, against 61% in Haywood County.

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

The homes here

Housing in Brownsville

What homes there are in Brownsville, 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

As in Haywood County, most homes in Brownsville are detached houses (73%).

Year built

By age, homes in Brownsville look like those in Haywood County: the typical year built is 1975.

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 96% of owner-occupied homes in Brownsville are worth less than $500,000, below the FHA loan limit for Haywood County ($541,287).

Monthly rent with utilities

About 71% of rented homes in Brownsville cost less than HUD's 2-bedroom fair market rent for Haywood County ($995).

With a mortgage

$1,169 a month

Haywood County: $1,216 a month

Without a mortgage

$470 a month

Haywood County: $441 a month

Owners with a mortgage

53%

Haywood County: 49%

In Brownsville, 53% of owners have a mortgage; their typical cost is $1,169 a month, about the same as in Haywood 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

The typical home value in Brownsville rose 80% since 2015–2019, more than in Haywood County (51%).

Rents in Brownsville rose at about the same pace as in Haywood County: 20% since 2015–2019, against 17%.

To compare: typical income in Brownsville rose 29%; the home, +80%; the rent, +20%.

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

MeasureBrownsvilleHaywood 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 estimateUnreliable estimate2.2%3.4%
People per household 2.452.412.452.53
Drive alone 82%81%76%69%
Carpool 9%9%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate6%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in Brownsville look like those in Haywood County: 2.45 people on average.

In Brownsville, 82% of workers drive alone to work; in Haywood County, 81%.

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 Brownsville?

A typical home is tight for the typical income

We start with a typical home in Brownsville, worth $158,100, 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 Brownsville, which is $43,494 a year. For that payment to be 28% of income, a household would need to earn about $55,125 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Brownsville. 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 $5,534 (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

$1,286

at 7.18% · 30 years

Loan amount
$155,236
Total interest
$223,348
Paid off in
November 2056

Includes $2,670 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,015 a month

  • Tight

    $1,015 to $1,305 a month

    Your payment · 35%

  • Hard

    more than $1,305 a month

Compared with the typical household income in Brownsville ($43,494 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,286
Principal & interest$1,052
Property tax$99
Home insurance$66
FHA mortgage insurance (MIP)$70

You need at least $5,534 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

Brownsville and Haywood County

Brownsville is in Haywood 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).

Brownsville's own numbers

Typical home value
$158,100
Typical monthly rent
$767
Typical yearly household income
$43,494
Households that own their home
48%
Effective property tax rate
0.75%

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

Numbers for all of Haywood County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$995
Price change over 5 years (FHFA)
+70%
Homes in a high flood-risk zone
4.8%

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 Haywood County.

Everything about Haywood County

Buying

Buying a home in Brownsville

A typical home in Brownsville is worth $158,100: 4% above the county and 45% below Tennessee. With the typical household income in Brownsville ($43,494 a year), a typical home costs 3.6 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.

  • Brownsville 3.6 years
  • Haywood 3.0 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Haywood County

According to FHFA’s house price index, home prices in Haywood County rose 96% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) −3.6% +2.4% +2.9%
5 years (2020–2025) +70% +60% +47%
10 years (2015–2025) +96% +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

Brownsville next to Haywood 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
  • Brownsville $158,100
  • Haywood $152,400
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Brownsville $767
  • Haywood $762
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Brownsville $43,494
  • Haywood $50,472
  • Tennessee $69,595
  • United States $80,734
See the full table
Brownsville next to Haywood County and Tennessee
Measure Brownsville Haywood County Tennessee U.S.
Typical home value $158,100 $152,400 $286,700 $332,700
Typical monthly rent $767 $762 $1,189 $1,413
Typical yearly household income $43,494 $50,472 $69,595 $80,734
Households that own their home 48% 61% 67% 65%
Typical yearly property tax $1,187 $952 $1,442 $3,119
Effective property tax rate 0.75% 0.62% 0.5% 0.94%
Renters with high rent for their income 53% 54% 49% 51%

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

For a typical $158,100 home in Brownsville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Brownsville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,286a month

    Least cash to close
    Down payment
    $5,534
    Cash to close
    $10,277
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $70

  • Conventional, 5% down $1,257a month

    Down payment
    $7,905
    Cash to close
    $12,648
    Rate
    7.18%
    Mortgage insurance
    PMI · $75

  • Conventional, 20% down, no PMI $1,022a month

    Down payment
    $31,620
    Cash to close
    $36,363
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,168a month

    Down payment
    $23,715
    Cash to close
    $28,458
    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 Brownsville and for Haywood County.

Property tax

Effective rate in Brownsville

0.75%of the home’s value each year

$1,187 a year for the typical owner in Brownsville.

  • Brownsville 0.75%
  • Haywood 0.62%
  • 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 Haywood County

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

Homes in the high-risk zone
4.8%
374
Of those, with NFIP insurance
20%
County Tennessee U.S.
Homes in the high-risk zone 4.8% 1.6% 3.5%
Of those, with NFIP insurance 20% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Brownsville

Typical rent in Brownsville is $767 a month: about the same as the county. In Brownsville, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Haywood County, by unit size. To pay the 2-bedroom one ($995 a month) without spending more than 30% of your income, you would need to earn $19.13 an hour working full time.

HUD fair market rent for all of Haywood 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 $756 $14.54 $30,240
1 bedroom $761 $14.63 $30,440
2 bedrooms $995 $19.13 $39,800
3 bedrooms $1,345 $25.87 $53,800
4 bedrooms $1,517 $29.17 $60,680

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 Brownsville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Brownsville is in ZIP code 38012.

For 2 bedrooms it is $1,010: $15 more than the fair market rent for Haywood County ($995).

  • 38012 $1,010$1,370

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

HUD lists 9 buildings with rents for lower incomes in Brownsville. These are the largest.

  • Brownsville Development 254 Anderson Ave, Brownsville 38012 139 low-income homes · For families (731) 772-0274
  • Lakeview Subdivision 198 Lakeview Cir, Brownsville 38012 60 low-income homes · 3 bd: 60 · In service since 2012 · For families
  • Oak Haven Plaza Apts 505 Oakhaven St, Brownsville 38012 50 low-income homes · For older adults (731) 772-4087
  • Broadway Manor Apts 1458 Eagle St, Brownsville 38012 48 low-income homes · 1 bd: 44 · 2 bd: 4 · In service since 1995
  • Brownsville Village Apts 537 Blue Bird Mnr, Brownsville 38012 36 low-income homes · Studio: 36 · In service since 1995

See all 10 buildings in Haywood County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Brownsville

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Brownsville

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

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

  • West Tennessee Legal Services, Incorporated

    210 West Main Street, Jackson · 25 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    731-423-0616-1250

  • West Tennessee Legal Services, Inc.

    210 W Main St, Jackson · 25 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (731) 423-0616

  • Operation Hope - Memph TN - Poplar Av

    6815 Poplar Ave Ste 100, Memphis · 47 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (571) 544-2282

All counseling agencies in Tennessee

Help in Spanish near Brownsville

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 Brownsville

HUD’s record names them for Brownsville or Haywood County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Brownsville Housing Authority Public housing and Section 8 vouchers (731) 585-0143

All housing agencies in Tennessee Source: HUD

Cities

Nearby cities

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

Everything about Haywood County Housing in Tennessee

Neighboring counties

If Haywood 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 Brownsville.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Brownsville

Short answers with the numbers for Brownsville and all of Haywood 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 Brownsville?

The typical home value in Brownsville is $158,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Haywood County it is $152,400.

How much does it cost to rent in Brownsville?

Typical rent in Brownsville is $767 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Haywood County is $995.

What is the FHA loan limit in Brownsville?

Brownsville uses the FHA limit for all of Haywood 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 Brownsville?

The typical homeowner in Brownsville pays $1,187 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Haywood County, the rate is 0.62%.

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

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