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City · 16,424 residents · Dickson County, Tennessee

Dickson , Tennessee

In Dickson, a typical home is worth $292,600 and typical rent is $1,063 a month. Compared with all of Dickson County, typical household income is 7% lower and the share of households that own their home is 19 points lower.

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  • Typical home value

    $292,600

    5% below the county

    2% above Tennessee

    • Dickson
    • County
    • Tennessee

  • Typical rent

    $1,063a month

    5% above the county

    11% below Tennessee

    • Dickson
    • County
    • Tennessee

  • Typical household income

    $69,678a year

    7% below the county

    About the same as Tennessee

    • Dickson
    • County
    • Tennessee

  • Households that own their home

    62%

    19 points below the county

    5 points below Tennessee

    • Dickson
    • County
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$341,439
1.6% more than 12 months ago
Typical rent
$1,606 a month

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

Dickson is in Dickson 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 Dickson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Dickson apart

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

  1. 62% of households in Dickson own their home, against 80% in Dickson County.

  2. Dickson has the 9th smallest share of rent-burdened renters of the 101 cities in Tennessee with more than 5,000 people (35%).

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

The homes here

Housing in Dickson

What homes there are in Dickson, 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 Dickson (74%), but less so than in Dickson County (79%).

Year built

In Dickson, half of the homes were built before 1980; in Dickson County, before 1988.

There are fewer big homes in Dickson than in Dickson County: 67% have 3 bedrooms or more, against 75%.

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

About 95% of rented homes in Dickson cost less than HUD's 2-bedroom fair market rent for Dickson County ($1,798).

With a mortgage

$1,263 a month

Dickson County: $1,515 a month

Without a mortgage

$514 a month

Dickson County: $446 a month

Owners with a mortgage

65%

Dickson County: 59%

Owning costs less in Dickson: with a mortgage, the typical cost is $1,263 a month; in Dickson County, $1,515. Without one, $514.

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

From 2015–2019 to 2020–2024, home values in Dickson rose at about the same pace as in Dickson County: 87% against 86%.

Rents in Dickson rose faster than in Dickson County: 43% since 2015–2019, against 30%.

Housing prices ran ahead of income in Dickson: typical income rose 40%, against +87% for home values and +43% for rent.

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

MeasureDicksonDickson 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 estimate2.2%2.2%3.4%
People per household 2.452.542.452.53
Drive alone 75%77%76%69%
Carpool 7%8%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 11%12%13%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Much as in Dickson County, a household in Dickson has 2.45 people on average.

To get to work, 75% of workers in Dickson drive alone; in Dickson County, 77%.

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 Dickson?

A typical home costs more than the typical income allows

We start with a typical home in Dickson, worth $292,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Dickson, which is $69,678 a year. For that payment to be 28% of income, a household would need to earn about $99,722 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Dickson. 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 $10,241 (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

$2,327

at 7.18% · 30 years

Loan amount
$287,300
Total interest
$413,358
Paid off in
November 2056

Includes $4,941 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,626 a month

  • Tight

    $1,626 to $2,090 a month

  • Hard

    more than $2,090 a month

    Your payment · 40%

Compared with the typical household income in Dickson ($69,678 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,327
Principal & interest$1,946
Property tax$129
Home insurance$122
FHA mortgage insurance (MIP)$129

You need at least $10,241 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

Dickson and Dickson County

Dickson is in Dickson 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).

Dickson's own numbers

Typical home value
$292,600
Typical monthly rent
$1,063
Typical yearly household income
$69,678
Households that own their home
62%
Effective property tax rate
0.53%

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

Numbers for all of Dickson County

FHA limit, one-unit home
$1,029,250
Conventional limit, one unit
$1,029,250
HUD fair market rent, 2 bedrooms
$1,798
Price change over 5 years (FHFA)
+57%
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 Dickson County.

Everything about Dickson County

Buying

Buying a home in Dickson

A typical home in Dickson is worth $292,600: 5% below the county and 2% above Tennessee. With the typical household income in Dickson ($69,678 a year), a typical home costs 4.2 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.

  • Dickson 4.2 years
  • County 4.1 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Dickson County

According to FHFA’s house price index, home prices in Dickson County rose 126% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +1.7% +2.4% +2.9%
5 years (2020–2025) +57% +60% +47%
10 years (2015–2025) +126% +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

Dickson next to Dickson 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
  • Dickson $292,600
  • County $306,400
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Dickson $1,063
  • County $1,015
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Dickson $69,678
  • County $75,003
  • Tennessee $69,595
  • United States $80,734
See the full table
Dickson next to Dickson County and Tennessee
Measure Dickson Dickson County Tennessee U.S.
Typical home value $292,600 $306,400 $286,700 $332,700
Typical monthly rent $1,063 $1,015 $1,189 $1,413
Typical yearly household income $69,678 $75,003 $69,595 $80,734
Households that own their home 62% 80% 67% 65%
Typical yearly property tax $1,542 $1,431 $1,442 $3,119
Effective property tax rate 0.53% 0.47% 0.5% 0.94%
Renters with high rent for their income 35% 33% 49% 51%

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

For a typical $292,600 home in Dickson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dickson's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,327a month

    Least cash to close
    Down payment
    $10,241
    Cash to close
    $19,019
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $129

  • Conventional, 5% down $2,273a month

    Down payment
    $14,630
    Cash to close
    $23,408
    Rate
    7.18%
    Mortgage insurance
    PMI · $139

  • Conventional, 20% down, no PMI $1,837a month

    Down payment
    $58,520
    Cash to close
    $67,298
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,107a month

    Down payment
    $43,890
    Cash to close
    $52,668
    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 Dickson and for Dickson County.

Property tax

Effective rate in Dickson

0.53%of the home’s value each year

$1,542 a year for the typical owner in Dickson.

  • Dickson 0.53%
  • County 0.47%
  • 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 Dickson County

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

Homes in the high-risk zone
0.6%
124
Of those, with NFIP insurance
15%
County Tennessee U.S.
Homes in the high-risk zone 0.6% 1.6% 3.5%
Of those, with NFIP insurance 15% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dickson

Typical rent in Dickson is $1,063 a month: 5% above the county. In Dickson, 35% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Dickson County, by unit size. To pay the 2-bedroom one ($1,798 a month) without spending more than 30% of your income, you would need to earn $34.58 an hour working full time.

HUD fair market rent for all of Dickson 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 $1,585 $30.48 $63,400
1 bedroom $1,650 $31.73 $66,000
2 bedrooms $1,798 $34.58 $71,920
3 bedrooms $2,309 $44.40 $92,360
4 bedrooms $2,799 $53.83 $111,960

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 Dickson

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dickson is in ZIP code 37055.

For 2 bedrooms it is $1,310: $488 less than the fair market rent for Dickson County ($1,798).

  • 37055 $1,310$1,680

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

HUD lists 8 buildings with rents for lower incomes in Dickson. These are the largest.

  • Trails of Dickson I 410 Colt Dr, Dickson 37055 126 low-income homes · 3 bd: 12 · In service since 1996
  • Evan Heights Apts 1111 E Walnut St, Dickson 37055 125 low-income homes · Run by Dickson Housing Authority · Average payment: $423 a month · Average wait: 15 months (615) 446-9371
  • Dickson Gardens 503 Candlewood Dr, Dickson 37055 48 low-income homes · 1 bd: 24 · 2 bd: 24 · In service since 2013 · For older adults
  • Trails of Dickson II 100 Remington, Dickson 37055 48 low-income homes · 2 bd: 42 · 3 bd: 6 · In service since 2003 · For families
  • High House Village Apartments 105 Jones Creek Rd, Dickson 37055 48 homes, 43 low-income · For families (615) 446-5340

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

Free help

Help to buy or rent in Dickson

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Dickson

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

The HUD-approved agencies closest to the center of Dickson, 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 · 29 miles away · Spanish

    Also serves in Arabic.

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

  • William Franklin Buchanan CDC

    4121 Clarksville Pike, Nashville · 31 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (615) 669-2454

  • Operation Hope- Nashville Mso Branch

    2013 Jefferson St, Nashville · 32 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (615) 601-2920

All counseling agencies in Tennessee

Help in Spanish near Dickson

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 Dickson

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

  • Dickson Housing Authority Public housing and Section 8 vouchers (615) 446-9371

All housing agencies in Tennessee Source: HUD

Cities

Nearby cities

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

Everything about Dickson County Housing in Tennessee

Neighboring counties

If Dickson 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 Dickson.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Dickson

Short answers with the numbers for Dickson and all of Dickson 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 Dickson?

The typical home value in Dickson is $292,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dickson County it is $306,400.

How much does it cost to rent in Dickson?

Typical rent in Dickson is $1,063 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dickson County is $1,798.

What is the FHA loan limit in Dickson?

Dickson uses the FHA limit for all of Dickson 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 Dickson?

The typical homeowner in Dickson pays $1,542 a year, according to the U.S. Census Bureau. That is 0.53% of the home’s value; in Dickson County, the rate is 0.47%.

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

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