Español

Este sitio también está en español. Leer en español

City · 45,441 residents · Maury County, Tennessee

Columbia , Tennessee

In Columbia, a typical home is worth $308,700 and typical rent is $1,197 a month. Compared with all of Maury County, typical household income is 16% lower, the typical home value is 13% lower, and the share of households that own their home is 8 points lower.

WhatsApp

  • Typical home value

    $308,700

    13% below the county

    8% above Tennessee

    • Columbia
    • Maury
    • Tennessee

  • Typical rent

    $1,197a month

    8% below the county

    About the same as Tennessee

    • Columbia
    • Maury
    • Tennessee

  • Typical household income

    $63,719a year

    16% below the county

    8% below Tennessee

    • Columbia
    • Maury
    • Tennessee

  • Households that own their home

    63%

    8 points below the county

    4 points below Tennessee

    • Columbia
    • Maury
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$369,414
0.9% more than 12 months ago
Typical rent
$1,584 a month
3% more than 12 months ago

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

Columbia is in Maury County. The FHA loan limit ($1,029,250 for a one-unit home), the fair market rents and the help on this page are those of all of Maury County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Columbia apart

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

  1. Nearby, in Lewisburg, the typical rent is $872: 27% less than in Columbia ($1,197).

  2. Nearby, in Lewisburg, the typical home value is $225,700: 27% less than in Columbia ($308,700).

  3. The typical household income in Columbia is $63,719, 16% less than in Maury County as a whole ($76,130).

  4. 63% of households in Columbia own their home, against 71% in Maury County.

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

The homes here

Housing in Columbia

What homes there are in Columbia, 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 houses are the majority in Columbia (67%), but less so than in Maury County (72%).

Year built

Homes in Columbia are older: the typical year built is 1981; in Maury County, 1994.

There are fewer big homes in Columbia than in Maury County: 63% have 3 bedrooms or more, against 70%.

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
Monthly rent with utilities

With a mortgage

$1,548 a month

Maury County: $1,666 a month

Without a mortgage

$469 a month

Maury County: $507 a month

Owners with a mortgage

68%

Maury County: 63%

The typical cost for an owner with a mortgage in Columbia is $1,548 a month, less than in Maury County ($1,666); without one, $469.

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 Columbia gained value faster than in Maury County: 104% against 93%.

Since 2015–2019, the typical rent in Columbia rose 39%, less than in Maury County (45%).

The typical household income in Columbia rose 29%: less than home values (+104%) and rent (+39%).

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

MeasureColumbiaMaury CountyTennesseeUnited States
Rental vacancy 10.5%9.1%6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.4%2.2%3.4%
People per household 2.462.522.452.53
Drive alone 76%77%76%69%
Carpool 8%7%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 13%14%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

There is more rental housing open in Columbia: 10.5% is empty and offered for rent, against 9.1% in Maury County.

By size, households in Columbia look like those in Maury County: 2.46 people on average.

The car rules in Columbia: 76% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Columbia?

A typical home costs more than the typical income allows

We start with a typical home in Columbia, worth $308,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Columbia, which is $63,719 a year. For that payment to be 28% of income, a household would need to earn about $104,878 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Columbia. 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 $10,805 (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

$2,447

at 7.18% · 30 years

Loan amount
$303,108
Total interest
$436,102
Paid off in
November 2056

Includes $5,213 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,487 a month

  • Tight

    $1,487 to $1,912 a month

  • Hard

    more than $1,912 a month

    Your payment · 46%

Compared with the typical household income in Columbia ($63,719 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,447
Principal & interest$2,053
Property tax$129
Home insurance$129
FHA mortgage insurance (MIP)$137

You need at least $10,805 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

Columbia and Maury County

Columbia is in Maury 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).

Columbia's own numbers

Typical home value
$308,700
Typical monthly rent
$1,197
Typical yearly household income
$63,719
Households that own their home
63%
Effective property tax rate
0.5%

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

Numbers for all of Maury County

FHA limit, one-unit home
$1,029,250
Conventional limit, one unit
$1,029,250
HUD fair market rent, 2 bedrooms
$1,474
Price change over 5 years (FHFA)
+70%
Homes in a high flood-risk zone
1.5%

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 Maury County.

Everything about Maury County

Buying

Buying a home in Columbia

A typical home in Columbia is worth $308,700: 13% below the county and 8% above Tennessee. With the typical household income in Columbia ($63,719 a year), a typical home costs 4.8 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.

  • Columbia 4.8 years
  • Maury 4.7 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Maury County

According to FHFA’s house price index, home prices in Maury County rose 153% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +4.2% +2.4% +2.9%
5 years (2020–2025) +70% +60% +47%
10 years (2015–2025) +153% +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

Columbia next to Maury 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
  • Columbia $308,700
  • Maury $355,700
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Columbia $1,197
  • Maury $1,300
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Columbia $63,719
  • Maury $76,130
  • Tennessee $69,595
  • United States $80,734
See the full table
Columbia next to Maury County and Tennessee
Measure Columbia Maury County Tennessee U.S.
Typical home value $308,700 $355,700 $286,700 $332,700
Typical monthly rent $1,197 $1,300 $1,189 $1,413
Typical yearly household income $63,719 $76,130 $69,595 $80,734
Households that own their home 63% 71% 67% 65%
Typical yearly property tax $1,546 $1,588 $1,442 $3,119
Effective property tax rate 0.5% 0.45% 0.5% 0.94%
Renters with high rent for their income 50% 46% 49% 51%

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

For a typical $308,700 home in Columbia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Columbia's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,447a month

    Least cash to close
    Down payment
    $10,805
    Cash to close
    $20,066
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $137

  • Conventional, 5% down $2,391a month

    Down payment
    $15,435
    Cash to close
    $24,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $147

  • Conventional, 20% down, no PMI $1,930a month

    Down payment
    $61,740
    Cash to close
    $71,001
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,216a month

    Down payment
    $46,305
    Cash to close
    $55,566
    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 Columbia and for Maury County.

Property tax

Effective rate in Columbia

0.5%of the home’s value each year

$1,546 a year for the typical owner in Columbia.

  • Columbia 0.5%
  • Maury 0.45%
  • 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 Maury County

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

Homes in the high-risk zone
1.5%
552
Of those, with NFIP insurance
16%
County Tennessee U.S.
Homes in the high-risk zone 1.5% 1.6% 3.5%
Of those, with NFIP insurance 16% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Columbia

Typical rent in Columbia is $1,197 a month: 8% below the county. In Columbia, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Maury County, by unit size. To pay the 2-bedroom one ($1,474 a month) without spending more than 30% of your income, you would need to earn $28.35 an hour working full time.

HUD fair market rent for all of Maury 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 $1,300 $25.00 $52,000
1 bedroom $1,330 $25.58 $53,200
2 bedrooms $1,474 $28.35 $58,960
3 bedrooms $1,877 $36.10 $75,080
4 bedrooms $2,273 $43.71 $90,920

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 Columbia

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Columbia is in ZIP code 38401.

For 2 bedrooms it is $1,360: $114 less than the fair market rent for Maury County ($1,474).

  • 38401 $1,360$1,730

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

HUD lists 12 buildings with rents for lower incomes in Columbia. These are the largest.

  • Creekside Acres & Southern Hills 108 E Willow St, Columbia 38401 144 homes, 142 low-income · 1 bd: 23 · 2 bd: 61 · 3 bd: 44 · 4 bd: 16 · For people with disabilities
  • Creekside Acres 200 Dyer St, Columbia 38401 140 low-income homes · For families (931) 388-5203
  • Hampton Ridge Apts 1000 McMeen Cir, Columbia 38401 140 low-income homes · 2 bd: 92 · 3 bd: 48 · In service since 1998 · For people with disabilities, families
  • Cedar Pointe 100 Timber Trl, Columbia 38401 112 low-income homes · 1 bd: 12 · 2 bd: 48 · 3 bd: 52 · In service since 2015 · For families
  • Northridge/Northridge Annex 1262 McBride Circle, Columbia 38401 105 low-income homes · For families (931) 388-5203

See all 15 buildings in Maury County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Columbia

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

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Columbia

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

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

  • Good Neighbor Foundation

    129 W Fowlkes St, Franklin · 22 miles away · Spanish

    Also serves in Arabic.

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 3 more
    (615) 610-4912

  • Life of Victory International Christian Ministries

    144 Bain Dr Ste 200, La Vergne · 36 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (615) 213-1468

  • Operation Hope- Nashville Branch - First Bank

    1817 W End Ave, Nashville · 39 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (615) 768-9059

All counseling agencies in Tennessee

Help in Spanish near Columbia

2 of the 3 agencies on this list say they serve 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 Columbia

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

  • Columbia Housing and Redevelopment Corporatio Public housing (931) 388-5203

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

Cities

Other cities in Maury County

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

Everything about Maury County Housing in Tennessee

Nearby cities

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

Neighboring counties

If Maury 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 Columbia.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Columbia

Short answers with the numbers for Columbia and all of Maury 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 Columbia?

The typical home value in Columbia is $308,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Maury County it is $355,700.

How much does it cost to rent in Columbia?

Typical rent in Columbia is $1,197 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Maury County is $1,474.

What is the FHA loan limit in Columbia?

Columbia uses the FHA limit for all of Maury County (2026): $1,029,250 for a one-unit home and $1,979,350 for a four-unit home.

How much property tax do owners pay in Columbia?

The typical homeowner in Columbia pays $1,546 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Maury County, the rate is 0.45%.

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

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