Renting · Section 8
Data from November 2026
Renting in Coffee County, Tennessee
Coffee County has a HUD fair market rent of $1,088 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $913 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $20.92 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,088
- a month, HUD, Fiscal year 2027
- 21% less than in Tennessee
- Typical rent
- $913
- a month, Census, Average 2020–2024
- 23% less than in Tennessee
- Wage needed
- $20.92
- an hour, 2 bedrooms
- Or $43,520 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 39%
- spend 30% or more of income on rent
- 20% less than in Tennessee
Only here
Renting in Coffee County: what sets it apart
What this place has that others do not, from public data, most unusual first.
-
Among the neighboring counties, Grundy County has the lowest typical rent ($636), 30% below the $913 in Coffee County.
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Coffee County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
According to Zillow (ZORI), the typical asking rent in Coffee County was $1,506 a month in September 2026: 2.5% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $873 | $16.79 | $34,920 |
| 1 bedroom | $928 | $17.85 | $37,120 |
| 2 bedrooms | $1,088 | $20.92 | $43,520 |
| 3 bedrooms | $1,453 | $27.94 | $58,120 |
| 4 bedrooms | $1,459 | $28.06 | $58,360 |
HUD area: Coffee County, TN. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 9 ZIP codes in Coffee County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,030 in 37342 to $1,410 in 37018. 4 ZIP codes are above the county's fair market rent ($1,088).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 37018 | Bedford County, TN | $1,180 | $1,270 | $1,410 | $1,850 | $2,170 |
|---|---|---|---|---|---|---|
| 37018 | Coffee County, TN | $1,180 | $1,270 | $1,410 | $1,850 | $2,170 |
| 37018 | Nashville-Davidson--Murfreesboro--Franklin, TN | $1,180 | $1,270 | $1,410 | $1,850 | $2,170 |
| 37342 | Coffee County, TN | $830 | $880 | $1,030 | $1,380 | $1,380 |
| 37355 | Coffee County, TN | $890 | $950 | $1,110 | $1,480 | $1,490 |
| 37388 | Bedford County, TN | $850 | $900 | $1,080 | $1,440 | $1,510 |
| 37388 | Coffee County, TN | $850 | $900 | $1,080 | $1,440 | $1,510 |
| 37388 | Franklin County, TN | $850 | $900 | $1,080 | $1,440 | $1,510 |
| 37388 | Moore County, TN | $850 | $900 | $1,080 | $1,440 | $1,510 |
- 37018 · Bedford County, TN $1,410$1,850
- 37018 · Coffee County, TN $1,410$1,850
- 37018 · Nashville-Davidson--Murfreesboro--Franklin, TN $1,410$1,850
- 37342 · Coffee County, TN $1,030$1,380
- 37355 · Coffee County, TN $1,110$1,480
- 37388 · Bedford County, TN $1,080$1,440
- 37388 · Coffee County, TN $1,080$1,440
- 37388 · Franklin County, TN $1,080$1,440
- 37388 · Moore County, TN $1,080$1,440
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Coffee County, 39% of renter households are in that position; in Tennessee, 49%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
39%
of renter households spend 30% or more of their income on rent.
7,160 households rent in Coffee County
- Spend half or more of their income 19%
- Spend 30% or more, but less than half 20%
- Spend less than 30% 61%
Compared with the state and the country
- Coffee 39%
- Tennessee 49%
- United States 51%
Low-income apartments
Low-income apartments in Coffee County
HUD lists 12 properties with homes for low-income households in Coffee County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 8
- HUD-assisted
- 3
- public housing
- 2
1,155 homes in all; 1,152 of them low-income, according to HUD.
- Dossett Homes Public housing 410 E Moore St, Tullahoma 37388 270 homes, 269 low-income · Run by Tullahoma Housing Authority · Average payment: $327 a month · Average wait: 18 months · (931) 455-9319
- Ada Ferrell Garden Apts Tax credit (LIHTC) 141 Silver St, Tullahoma 37388 213 low-income homes · 1 bd: 48 · 2 bd: 104 · 3 bd: 57 · 4 bd: 4 · In service since 2006 · For people with disabilities, families
- Ada Ferrell/Eastgate HUD-assisted 186 Freeman St, Tullahoma 37388 212 low-income homes · For families · (931) 455-4157
- Kingwood Arms Apartments Tax credit (LIHTC) · HUD-assisted 719 McMinnville Hwy, Manchester 37355 97 low-income homes · 1 bd: 94 · 2 bd: 3 · In service since 2017 · For older adults · (931) 728-6481
- Franklin Place HUD-assisted 1015 S Franklin St, Tullahoma 37388 89 homes, 88 low-income · For families · (931) 455-7522
- Briarwood Apts - Tullahoma Tax credit (LIHTC) 121 Silver St, Tullahoma 37388 72 low-income homes · 2 bd: 56 · 3 bd: 16 · In service since 2004 · For families
- Brookover Homes Public housing 100 W Short St, Manchester 37355 70 homes, 69 low-income · Run by Manchester Housing Authority · Average payment: $442 a month · Average wait: 46 months · (931) 728-2596
- Rivendell Apts Phase I Tax credit (LIHTC) 555 Expressway Dr, Manchester 37355 48 low-income homes · 1 bd: 12 · 2 bd: 24 · 3 bd: 12 · In service since 2004 · For people with disabilities, families
- Rivendell Apts Phase II Tax credit (LIHTC) 555 Expressway Dr, Manchester 37355 48 low-income homes · 2 bd: 24 · 3 bd: 24 · In service since 2008 · For people with disabilities, families
- Royal Gardens Apts Tax credit (LIHTC) 1525 Hills Chapel Rd, Manchester 37355 24 low-income homes · 1 bd: 8 · 2 bd: 16 · In service since 1991 · For families
- New Rock Creek Road Apts I Tax credit (LIHTC) 306 New Rock Creek Rd, Tullahoma 37388 8 low-income homes · 2 bd: 7 · 3 bd: 1 · In service since 2004 · For families
- New Rock Creek Road Apts II Tax credit (LIHTC) 308 New Rock Creek Rd, Tullahoma 37388 4 low-income homes · 3 bd: 4 · In service since 2004 · For families
One property has two programs at the same address and appears once. Search HUD's map
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Coffee County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 2 agencies serve in Coffee County. Here is what the rules say:
The rules, with their source
-
You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
-
Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
-
Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
-
If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
-
When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
-
Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $16,400 | $27,300 | $43,700 |
| 2 people | $21,640 | $31,200 | $49,950 |
| 3 people | $27,320 | $35,100 | $56,200 |
| 4 people | $33,000 | $39,000 | $62,400 |
| 5 people | $38,680 | $42,150 | $67,400 |
| 6 people | $44,360 | $45,250 | $72,400 |
| 7 people | $48,400 | $48,400 | $77,400 |
| 8 people | $51,500 | $51,500 | $82,400 |
Area median income: $75,800. HUD income limits by family size, Fiscal year 2026. Area: Coffee County, TN. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $786 – $960
- 1 bedroom $835 – $1,021
- 2 bedrooms $979 – $1,197
- 3 bedrooms $1,308 – $1,598
- 4 bedrooms $1,313 – $1,605
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
- Tullahoma Housing Authority Public housing and Section 8 vouchers · 120 vouchers · 269 public housing units (931) 455-9319 Tullahoma Housing Authority: tn024@tha-tn.org
- Manchester Housing Authority Public housing · 69 public housing units (931) 728-2596 Manchester Housing Authority: nhuddlestonmha@gmail.com
Housing agencies in Tennessee Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in Tennessee
What Tennessee law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- If I fall behind on rent, what notice must I get?
- 14 days
- T.C.A. §66-28-505(a)(1)-(2)
- How much notice ends a month-to-month rental?
- 30 days
- T.C.A. §66-28-512(b)
Help
Where to get help with rent in Coffee County
These are the nearest HUD-approved agencies. They counsel for free or at low cost.
-
Dominion Financial Management
661 Fitzhugh Blvd, Smyrna · 44 miles away
- Mortgage delinquency and default
- Budget and credit workshops
- and 6 more
-
You Can Make It Home Ownership Center, Inc.
660 Fitzhugh Blvd Ste 105, Smyrna · 44 miles away
- Mortgage delinquency and default
- Budget and financial counseling
- and 6 more
-
Life of Victory International Christian Ministries
144 Bain Dr Ste 200, La Vergne · 46 miles away · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 3 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Coffee County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in Tennessee, the average home bill was $143 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$2,176
What you need before you get the keys.
What adds up
- First month
- $1,088
- Security deposit
- $1,088
- Total
- $2,176
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Coffee County?
According to HUD (Fiscal year 2027): Studio: $873; 1 bedroom: $928; 2 bedrooms: $1,088; 3 bedrooms: $1,453; 4 bedrooms: $1,459. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Coffee County?
Paying the 2-bedroom fair market rent ($1,088) without spending more than 30% of income takes $20.92 an hour full time, or $43,520 a year.
Who qualifies for Section 8 in Coffee County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $39,000 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Coffee County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $979 and $1,197 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Coffee County?
For 2 bedrooms they run from $1,030 in 37342 to $1,410 in 37018. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Coffee County?
HUD lists 12 properties with homes for low-income households in Coffee County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Coffee County?
HUD counts rent as a burden when it reaches 30% of income or more. In Coffee County, 39% of renter households are in that position; in Tennessee, 49%, and nationwide, 51% (Average 2020–2024, Census).