City · 10,239 residents · Anderson County, Tennessee
Clinton, Tennessee
In Clinton, a typical home is worth $225,000 and typical rent is $962 a month. Compared with all of Anderson County, typical rent is 7% lower, the typical home value is 6% lower, and the share of households that own their home is 9 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $240,068 to $332,436.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Clinton is in Anderson 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 Anderson County. See the county
What this place has that others do not, from public data, most unusual first.
1
63% of households in Clinton own their home, against 72% in Anderson County.
2
13% of households in Clinton have no internet at home (7% in Anderson County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Clinton
What homes there are in Clinton, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Clinton
Anderson County
Tennessee
United States
Kind of home: Clinton and its comparisons
Measure
Clinton
Anderson County
Tennessee
United States
Detached house
69%
72%
68%
61%
Attached house
1%
3%
4%
6%
Building of 2 to 4
Unreliable estimate
4%
6%
8%
Apartments (5 or more)
Unreliable estimate
11%
14%
19%
Mobile home
Unreliable estimate
10%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Clinton: 69% of homes, near the figure in Anderson County (72%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Clinton
Anderson County
Tennessee
United States
Year built: Clinton and its comparisons
Measure
Clinton
Anderson County
Tennessee
United States
Before 1960
26%
31%
18%
26%
1960–1979
21%
23%
23%
24%
1980–1999
37%
27%
29%
25%
2000–2009
8%
11%
16%
14%
2010 or later
7%
8%
15%
11%
Here half of the homes date from 1981 or later; in Anderson County, from 1977 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K14%
$100K–$200K30%
$200K–$300K22%
$300K–$500K25%
$500K–$750K6%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Clinton and its comparisons
Measure
Clinton
Under $100K
14%
$100K–$200K
30%
$200K–$300K
22%
$300K–$500K
25%
$500K–$750K
6%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
About 92% of owner-occupied homes in Clinton are worth less than the FHA loan limit for Anderson County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99940%
$1,000–$1,49931%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Clinton and its comparisons
Measure
Clinton
Under $500
Unreliable estimate
$500–$999
40%
$1,000–$1,499
31%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,363 a month
Anderson County: $1,415 a month
Without a mortgage
$477 a month
Anderson County: $451 a month
Owners with a mortgage
58%
Anderson County: 56%
The typical cost for an owner with a mortgage in Clinton is $1,363 a month, near the figure in Anderson County ($1,415).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Clinton+36%
Anderson County+64%
Tennessee+72%
United States+53%
Typical rent
Clinton+37%
Anderson County+38%
Tennessee+37%
United States+33%
Typical household income
Clinton+56%
Anderson County+31%
Tennessee+31%
United States+29%
Change since 2015–2019: Clinton and its comparisons
Measure
Clinton
Anderson County
Tennessee
United States
Typical home value
+36%
+64%
+72%
+53%
Typical rent
+37%
+38%
+37%
+33%
Typical household income
+56%
+31%
+31%
+29%
From 2015–2019 to 2020–2024, the typical home value in Clinton rose 36%; in Anderson County, it rose 64%.
Rents in Clinton rose at about the same pace as in Anderson County: 37% since 2015–2019, against 38%.
Income in Clinton grew faster than housing: it rose 56%, while home values changed +36% and rent +37%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Clinton and its comparisons
Measure
Clinton
Anderson County
Tennessee
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
1.1%
2.2%
3.4%
People per household
2.32
2.38
2.45
2.53
Drive alone
76%
77%
76%
69%
Carpool
10%
8%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
1%
3%
Work from home
13%
13%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Anderson County, a household in Clinton has 2.32 people on average.
To get to work, 76% of workers in Clinton drive alone; in Anderson County, 77%.
Do the math
What would you pay each month for a home in Clinton?
A typical home is tight for the typical income
We start with a typical home in Clinton, worth $225,000, 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 Clinton, which is $68,882 a year. For that payment to be 28% of income, a household would need to earn about $76,683 a year.
The calculator's FHA and conventional loan limits are those of all of Anderson County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Clinton. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,875 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,789
at 7.18% · 30 years
Loan amount
$220,925
Total interest
$317,859
Paid off in
November 2056
Includes $3,800 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,607 a month
Tight
$1,607 to $2,066 a month
Your payment · 31%
Hard
more than $2,066 a month
Compared with the typical household income in Clinton ($68,882 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,497
Property tax
$99
Home insurance
$94
FHA mortgage insurance (MIP)
$100
You need at least $7,875 for the down payment, plus closing costs.
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.
Total monthly payment $1,789; principal and interest $1,497.
The city and its county
Clinton and Anderson County
Clinton is in Anderson 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).
Clinton
Map of Anderson County, Tennessee, with Clinton marked. Around it, the neighboring counties.
Clinton
Anderson County
Other cities with a page
Clinton's own numbers
Typical home value
$225,000
Typical monthly rent
$962
Typical yearly household income
$68,882
Households that own their home
63%
Effective property tax rate
0.53%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Anderson 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)
+78%
Homes in a high flood-risk zone
0.9%
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 Anderson County.
A typical home in Clinton is worth $225,000: 6% below the county and 22% below Tennessee. With the typical household income in Clinton ($68,882 a year), a typical home costs 3.3 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.
Clinton3.3 years
Anderson3.6 years
Tennessee4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Anderson County
According to FHFA’s house price index, home prices in Anderson County rose 131% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Anderson County.
Yearly change in FHFA’s price index in Anderson County, 2016 to 2025
2016: +2.0% +2.0% 2016
2017: +4.1% +4.1% 2017
2018: +7.9% +7.9% 2018
2019: +6.5% +6.5% 2019
2020: +6.0% +6.0% 2020
2021: +18.0% +18.0% 2021
2022: +20.3% +20.3% 2022
2023: +14.1% +14.1% 2023
2024: +6.6% +6.6% 2024
2025: +3.4% +3.4% 2025
Change in FHFA’s price index in Anderson County, Tennessee and the United States
Period
County
Tennessee
U.S.
Last year (2025)
+3.4%
+2.4%
+2.9%
5 years (2020–2025)
+78%
+60%
+47%
10 years (2015–2025)
+131%
+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
Clinton next to Anderson 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
Clinton$225,000
Anderson$239,400
Tennessee$286,700
United States$332,700
Typical monthly rent
Clinton$962
Anderson$1,031
Tennessee$1,189
United States$1,413
Typical yearly household income
Clinton$68,882
Anderson$66,183
Tennessee$69,595
United States$80,734
See the full table
Clinton next to Anderson County and Tennessee
Measure
Clinton
Anderson County
Tennessee
U.S.
Typical home value
$225,000 ▼6% below the county
$239,400
$286,700
$332,700
Typical monthly rent
$962 ▼7% below the county
$1,031
$1,189
$1,413
Typical yearly household income
$68,882 ▲4% above the county
$66,183
$69,595
$80,734
Households that own their home
63% ▼9 points below the county
72%
67%
65%
Typical yearly property tax
$1,189 ▼8% below the county
$1,289
$1,442
$3,119
Effective property tax rate
0.53% ▼0.01 points below the county
0.54%
0.5%
0.94%
Renters with high rent for their income
51% ▲6 points above the county
45%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Anderson 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 Clinton
For a typical $225,000 home in Clinton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clinton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,789a month
Least cash to close
Down payment
$7,875
Cash to close
$14,625
Rate
7.18%
Mortgage insurance
FHA MIP · $100
Conventional, 5% down$1,748a month
Down payment
$11,250
Cash to close
$18,000
Rate
7.18%
Mortgage insurance
PMI · $107
Conventional, 20% down, no PMI$1,413a month
Down payment
$45,000
Cash to close
$51,750
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,621a month
Down payment
$33,750
Cash to close
$40,500
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Clinton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,789
$7,875
$220,925
7.18%
FHA MIP · $100
$14,625
580
Conventional, 5% down
$1,748
$11,250
$213,750
7.18%
PMI · $107
$18,000
620*
Conventional, 20% down, no PMI
$1,413
$45,000
$180,000
7.18%
None
$51,750
620*
ITIN, 15% down (example)
$1,621
$33,750
$191,250
8.18%
None
$40,500
Set by the lender
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.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Clinton and for Anderson County.
Property tax
Effective rate in Clinton
0.53%of the home’s value each year
$1,189 a year for the typical owner in Clinton.
Clinton0.53%
Anderson0.54%
Tennessee0.5%
What Tennessee publishesProperty tax relief for older, disabled and disabled-veteran homeowners (Tennessee Comptroller of the Treasury, 2026 Property Tax Relief Program brochure)
Typical rent in Clinton is $962 a month: 7% below the county. In Clinton, 51% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Anderson 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Anderson County (Fiscal year 2027)
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 Clinton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clinton is in ZIP code 37716.
For 2 bedrooms it is $1,200: $275 less than the fair market rent for Anderson County ($1,475).
Fair market rent by ZIP code and size in Clinton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
37716
$950
$960
$1,200
$1,500
$1,730
ZIP code2 bd3 bd
37716 $1,200$1,500
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Clinton 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 4 buildings with rents for lower incomes in Clinton. These are the largest.
Charles Seviers Tower150 N Charles G Seivers Blvd, Clinton 37716149 low-income homes · 1 bd: 149 · In service since 2003 · For older adults(865) 457-7499
East Village1005 East Dr, Clinton 37716150 homes, 148 low-income · Run by Clinton Housing Authority · Average payment: $416 a month(865) 457-9692
Gate Manor Apartments1200 Fowler Ln, Clinton 3771680 low-income homes · 1 bd: 24 · 2 bd: 32 · 3 bd: 24 · In service since 2018 · For families(865) 457-7651
Ridgetop Apartments813 Rogers St, Clinton 377169 homes, 8 low-income · For people with disabilities(865) 457-0808
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 Anderson County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Clinton or Anderson County. The ones below are statewide in Tennessee: they work in Clinton the same as in the rest of the state.
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).
No legal help resource on our list is for Clinton or Anderson County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Clinton and all of Anderson 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 Clinton?
The typical home value in Clinton is $225,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Anderson County it is $239,400.
How much does it cost to rent in Clinton?
Typical rent in Clinton is $962 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Anderson County is $1,475.
What is the FHA loan limit in Clinton?
Clinton uses the FHA limit for all of Anderson 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 Clinton?
The typical homeowner in Clinton pays $1,189 a year, according to the U.S. Census Bureau. That is 0.53% of the home’s value; in Anderson County, the rate is 0.54%.
Where can I find free help to buy or rent in Clinton?
We found no HUD-approved counseling agencies with an office in Anderson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
