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City · 7,139 residents · Hawkins County, Tennessee

Church Hill , Tennessee

In Church Hill, a typical home is worth $211,000 and typical rent is $1,019 a month. Compared with all of Hawkins County, typical rent is 30% higher and the typical home value is 20% higher.

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  • Typical home value

    $211,000

    20% above the county

    26% below Tennessee

    • Church Hill
    • Hawkins
    • Tennessee

  • Typical rent

    $1,019a month

    30% above the county

    14% below Tennessee

    • Church Hill
    • Hawkins
    • Tennessee

  • Typical household income

    $65,526a year

    15% above the county

    6% below Tennessee

    • Church Hill
    • Hawkins
    • Tennessee

  • Households that own their home

    82%

    2 points above the county

    15 points above Tennessee

    • Church Hill
    • Hawkins
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$261,264
5.7% more than 12 months ago
Typical rent
$1,500 a month

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

Church Hill is in Hawkins 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 Hawkins County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Church Hill apart

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

  1. According to Zillow, in the 12 months to September 2026 the typical home value in Church Hill rose 5.7%; in Tennessee, it rose 0.6%.

  2. The typical rent in Church Hill is $1,019 a month, 30% more than in Hawkins County as a whole ($785).

  3. Nearby, in Bloomingdale, the typical home value is $165,500: 22% less than in Church Hill ($211,000).

  4. Nearby, in Bloomingdale, the typical rent is $836: 18% less than in Church Hill ($1,019).

  5. The typical home in Church Hill is worth $211,000, 20% more than in Hawkins County as a whole ($176,300).

  6. The typical household income in Church Hill is $65,526, 15% more than in Hawkins County as a whole ($56,936).

Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data

The homes here

Housing in Church Hill

What homes there are in Church Hill, 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 Church Hill: 75% of homes, more than in Hawkins County (68%).

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

The FHA limit for Hawkins County is high ($541,287): at least 89% of owner-occupied homes in Church Hill are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,219 a month

Hawkins County: $1,136 a month

Without a mortgage

$451 a month

Hawkins County: $373 a month

Owners with a mortgage

59%

Hawkins County: 47%

The typical cost for an owner with a mortgage in Church Hill is $1,219 a month, more than in Hawkins County ($1,136); without one, $451.

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 Church Hill gained value faster than in Hawkins County: 48% against 42%.

Rent in Church Hill moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureChurch HillHawkins CountyTennesseeUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.1%5.5%
Homeowner vacancy Unreliable estimate1.7%0.9%0.9%
More than one person per room Unreliable estimate1.8%2.2%3.4%
People per household 2.322.442.452.53
Drive alone 89%80%76%69%
Carpool Unreliable estimate5%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%1%3%
Work from home Unreliable estimate11%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Church Hill look like those in Hawkins County: 2.32 people on average.

To get to work, 89% of workers in Church Hill drive alone; in Hawkins 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 Church Hill?

A typical home is tight for the typical income

We start with a typical home in Church Hill, worth $211,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Church Hill, which is $65,526 a year. For that payment to be 28% of income, a household would need to earn about $72,665 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Church Hill. 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 $7,385 (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

$1,695

at 7.18% · 30 years

Loan amount
$207,178
Total interest
$298,081
Paid off in
November 2056

Includes $3,563 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,529 a month

  • Tight

    $1,529 to $1,966 a month

    Your payment · 31%

  • Hard

    more than $1,966 a month

Compared with the typical household income in Church Hill ($65,526 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,695
Principal & interest$1,403
Property tax$111
Home insurance$88
FHA mortgage insurance (MIP)$93

You need at least $7,385 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

Church Hill and Hawkins County

Church Hill is in Hawkins 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).

Church Hill's own numbers

Typical home value
$211,000
Typical monthly rent
$1,019
Typical yearly household income
$65,526
Households that own their home
82%
Effective property tax rate
0.63%

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

Numbers for all of Hawkins 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)
+74%
Homes in a high flood-risk zone
0.6%

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 Hawkins County.

Everything about Hawkins County

Buying

Buying a home in Church Hill

A typical home in Church Hill is worth $211,000: 20% above the county and 26% below Tennessee. With the typical household income in Church Hill ($65,526 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.

  • Church Hill 3.2 years
  • Hawkins 3.1 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hawkins County

According to FHFA’s house price index, home prices in Hawkins County rose 110% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +3.9% +2.4% +2.9%
5 years (2020–2025) +74% +60% +47%
10 years (2015–2025) +110% +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

Church Hill next to Hawkins 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
  • Church Hill $211,000
  • Hawkins $176,300
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Church Hill $1,019
  • Hawkins $785
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Church Hill $65,526
  • Hawkins $56,936
  • Tennessee $69,595
  • United States $80,734
See the full table
Church Hill next to Hawkins County and Tennessee
Measure Church Hill Hawkins County Tennessee U.S.
Typical home value $211,000 $176,300 $286,700 $332,700
Typical monthly rent $1,019 $785 $1,189 $1,413
Typical yearly household income $65,526 $56,936 $69,595 $80,734
Households that own their home 82% 80% 67% 65%
Typical yearly property tax $1,330 $956 $1,442 $3,119
Effective property tax rate 0.63% 0.54% 0.5% 0.94%
Renters with high rent for their income 47% 38% 49% 51%

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

For a typical $211,000 home in Church Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Church Hill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,696a month

    Least cash to close
    Down payment
    $7,385
    Cash to close
    $13,715
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $93

  • Conventional, 5% down $1,657a month

    Down payment
    $10,550
    Cash to close
    $16,880
    Rate
    7.18%
    Mortgage insurance
    PMI · $100

  • Conventional, 20% down, no PMI $1,342a month

    Down payment
    $42,200
    Cash to close
    $48,530
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,537a month

    Down payment
    $31,650
    Cash to close
    $37,980
    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 Church Hill and for Hawkins County.

Property tax

Effective rate in Church Hill

0.63%of the home’s value each year

$1,330 a year for the typical owner in Church Hill.

  • Church Hill 0.63%
  • Hawkins 0.54%
  • 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 Hawkins County

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

Homes in the high-risk zone
0.6%
169
Of those, with NFIP insurance
18%
County Tennessee U.S.
Homes in the high-risk zone 0.6% 1.6% 3.5%
Of those, with NFIP insurance 18% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Church Hill

Typical rent in Church Hill is $1,019 a month: 30% above the county. In Church Hill, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hawkins 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 Hawkins 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 Church Hill

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Church Hill is in ZIP code 37642.

For 2 bedrooms it is $1,150: $59 more than the fair market rent for Hawkins County ($1,091).

  • 37642 $1,150$1,450

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

HUD lists one building with rents for lower incomes in Church Hill.

  • Church Hill Village Apartmernts 914 Holliston Mills Rd, Church Hill 37642 48 low-income homes · 1 bd: 4 · 2 bd: 30 · 3 bd: 14 · In service since 2006 · For families

See all 9 buildings in Hawkins County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Church Hill

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 Hawkins 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 Church Hill

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

The HUD-approved agencies closest to the center of Church Hill, 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 · 22 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 · 27 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 · 48 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 Church Hill

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 Church Hill

In HUD’s record, no housing authority with an office in Hawkins County is named for Church Hill or Hawkins County.

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

Cities

Other cities in Hawkins County

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

Everything about Hawkins County Housing in Tennessee

Nearby cities

The cities closest to Church Hill, with the typical home value.

Neighboring counties

If Hawkins 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 Church Hill.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Church Hill

Short answers with the numbers for Church Hill and all of Hawkins 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 Church Hill?

The typical home value in Church Hill is $211,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hawkins County it is $176,300.

How much does it cost to rent in Church Hill?

Typical rent in Church Hill is $1,019 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hawkins County is $1,091.

What is the FHA loan limit in Church Hill?

Church Hill uses the FHA limit for all of Hawkins 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 Church Hill?

The typical homeowner in Church Hill pays $1,330 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in Hawkins County, the rate is 0.54%.

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

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