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City · 9,487 residents · Cumberland County, Tennessee

Fairfield Glade , Tennessee

In Fairfield Glade, a typical home is worth $356,800 and typical rent is $1,310 a month. Compared with all of Cumberland County, typical rent is 56% higher, the typical home value is 42% higher, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $356,800

    42% above the county

    24% above Tennessee

    • Fairfield Glade
    • Cumberland
    • Tennessee

  • Typical rent

    $1,310a month

    56% above the county

    10% above Tennessee

    • Fairfield Glade
    • Cumberland
    • Tennessee

  • Typical household income

    $71,682a year

    19% above the county

    3% above Tennessee

    • Fairfield Glade
    • Cumberland
    • Tennessee

  • Households that own their home

    89%

    9 points above the county

    22 points above Tennessee

    • Fairfield Glade
    • Cumberland
    • Tennessee

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

Fairfield Glade is in Cumberland 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 Cumberland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fairfield Glade apart

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

  1. Nearby, in Rockwood, the typical home value is $128,700: 64% less than in Fairfield Glade ($356,800).

  2. The typical rent in Fairfield Glade is $1,310 a month, 56% more than in Cumberland County as a whole ($839).

  3. Nearby, in Kingston, the typical rent is $716: 45% less than in Fairfield Glade ($1,310).

  4. The typical home in Fairfield Glade is worth $356,800, 42% more than in Cumberland County as a whole ($250,500).

  5. Fairfield Glade has the 7th highest homeownership rate of the 113 cities in Tennessee with more than 5,000 people (89%).

  6. The typical household income in Fairfield Glade is $71,682, 19% more than in Cumberland County as a whole ($60,375).

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

The homes here

Housing in Fairfield Glade

What homes there are in Fairfield Glade, 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, standing on their own, make up 82% of homes here, against 74% in Cumberland County.

Year built

The typical year built in Fairfield Glade is 1997, about the same as in Cumberland County (1994).

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

About 78% of owner-occupied homes in Fairfield Glade are worth less than the FHA loan limit for Cumberland County ($541,287).

Monthly rent with utilities

With a mortgage

$1,432 a month

Cumberland County: $1,194 a month

Without a mortgage

$445 a month

Cumberland County: $374 a month

Owners with a mortgage

50%

Cumberland County: 49%

Owning costs more in Fairfield Glade: with a mortgage, the typical cost is $1,432 a month; in Cumberland County, $1,194. Without one, $445.

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

Much as in Cumberland County, the typical home value in Fairfield Glade rose 64% since 2015–2019.

Rents in Fairfield Glade rose faster than in Cumberland County: 49% since 2015–2019, against 21%.

Housing prices ran ahead of income in Fairfield Glade: typical income rose 31%, against +64% for home values and +49% 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

MeasureFairfield GladeCumberland 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 estimate1.9%2.2%3.4%
People per household 1.882.232.452.53
Drive alone 68%79%76%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%1%3%
Work from home 25%9%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Fairfield Glade has 1.88 people, fewer than in Cumberland County (2.23).

Many people here do not commute at all: 25% work from home; in Cumberland County, 9%.

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 Fairfield Glade?

A typical home costs more than the typical income allows

We start with a typical home in Fairfield Glade, worth $356,800, 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 Fairfield Glade, which is $71,682 a year. For that payment to be 28% of income, a household would need to earn about $118,543 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fairfield Glade. 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 $12,488 (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

$2,766

at 7.18% · 30 years

Loan amount
$350,337
Total interest
$504,053
Paid off in
November 2056

Includes $6,025 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,673 a month

  • Tight

    $1,673 to $2,150 a month

  • Hard

    more than $2,150 a month

    Your payment · 46%

Compared with the typical household income in Fairfield Glade ($71,682 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,766
Principal & interest$2,373
Property tax$86
Home insurance$149
FHA mortgage insurance (MIP)$158

You need at least $12,488 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

Fairfield Glade and Cumberland County

Fairfield Glade is in Cumberland 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).

Fairfield Glade's own numbers

Typical home value
$356,800
Typical monthly rent
$1,310
Typical yearly household income
$71,682
Households that own their home
89%
Effective property tax rate
0.29%

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

Numbers for all of Cumberland County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,039
Price change over 5 years (FHFA)
+79%
Homes in a high flood-risk zone
0%

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 Cumberland County.

Everything about Cumberland County

Buying

Buying a home in Fairfield Glade

A typical home in Fairfield Glade is worth $356,800: 42% above the county and 24% above Tennessee. With the typical household income in Fairfield Glade ($71,682 a year), a typical home costs 5.0 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.

  • Fairfield Glade 5.0 years
  • Cumberland 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 Cumberland County

According to FHFA’s house price index, home prices in Cumberland County rose 120% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +6.0% +2.4% +2.9%
5 years (2020–2025) +79% +60% +47%
10 years (2015–2025) +120% +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

Fairfield Glade next to Cumberland 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
  • Fairfield Glade $356,800
  • Cumberland $250,500
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Fairfield Glade $1,310
  • Cumberland $839
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Fairfield Glade $71,682
  • Cumberland $60,375
  • Tennessee $69,595
  • United States $80,734
See the full table
Fairfield Glade next to Cumberland County and Tennessee
Measure Fairfield Glade Cumberland County Tennessee U.S.
Typical home value $356,800 $250,500 $286,700 $332,700
Typical monthly rent $1,310 $839 $1,189 $1,413
Typical yearly household income $71,682 $60,375 $69,595 $80,734
Households that own their home 89% 80% 67% 65%
Typical yearly property tax $1,017 $730 $1,442 $3,119
Effective property tax rate 0.29% 0.29% 0.5% 0.94%

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

For a typical $356,800 home in Fairfield Glade, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fairfield Glade's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,766a month

    Least cash to close
    Down payment
    $12,488
    Cash to close
    $23,192
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $158

  • Conventional, 5% down $2,701a month

    Down payment
    $17,840
    Cash to close
    $28,544
    Rate
    7.18%
    Mortgage insurance
    PMI · $169

  • Conventional, 20% down, no PMI $2,169a month

    Down payment
    $71,360
    Cash to close
    $82,064
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,498a month

    Down payment
    $53,520
    Cash to close
    $64,224
    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 Fairfield Glade and for Cumberland County.

Property tax

Effective rate in Fairfield Glade

0.29%of the home’s value each year

$1,017 a year for the typical owner in Fairfield Glade.

  • Fairfield Glade 0.29%
  • Cumberland 0.29%
  • 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 Cumberland County

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

Homes in the high-risk zone
0%
13
Of those, with NFIP insurance
7.7%
County Tennessee U.S.
Homes in the high-risk zone 0% 1.6% 3.5%
Of those, with NFIP insurance 7.7% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fairfield Glade

Typical rent in Fairfield Glade is $1,310 a month: 56% above the county.

HUD publishes a fair market rent for all of Cumberland County, by unit size. To pay the 2-bedroom one ($1,039 a month) without spending more than 30% of your income, you would need to earn $19.98 an hour working full time.

HUD fair market rent for all of Cumberland 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 $789 $15.17 $31,560
1 bedroom $794 $15.27 $31,760
2 bedrooms $1,039 $19.98 $41,560
3 bedrooms $1,410 $27.12 $56,400
4 bedrooms $1,425 $27.40 $57,000

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 Fairfield Glade

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fairfield Glade is in ZIP code 38558.

For 2 bedrooms it is $1,560: $521 more than the fair market rent for Cumberland County ($1,039).

  • 38558 $1,560$2,120

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

Free help

Help to buy or rent in Fairfield Glade

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.

There is 1 HUD-approved agency with an office in Cumberland County; none says it serves in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Fairfield Glade

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

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

  • Crossville Housing Authority

    67 Irwin Ave, Crossville · 10 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (931) 484-2990

  • University of Tennessee Extension Office

    2621 Morgan Cir, Knoxville · 52 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (865) 974-7349

  • Knoxville Area Urban League

    1514 E 5th Ave, Knoxville · 54 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (865) 524-5511

Every agency in Cumberland County All counseling agencies in Tennessee

Help in Spanish near Fairfield Glade

None 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 Fairfield Glade

In HUD’s record, no housing authority with an office in Cumberland County is named for Fairfield Glade or Cumberland County.

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

Cities

Other cities in Cumberland County

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

Everything about Cumberland County Housing in Tennessee

Nearby cities

The cities closest to Fairfield Glade, with the typical home value.

Neighboring counties

If Cumberland 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 Fairfield Glade.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Fairfield Glade

Short answers with the numbers for Fairfield Glade and all of Cumberland 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 Fairfield Glade?

The typical home value in Fairfield Glade is $356,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cumberland County it is $250,500.

How much does it cost to rent in Fairfield Glade?

Typical rent in Fairfield Glade is $1,310 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cumberland County is $1,039.

What is the FHA loan limit in Fairfield Glade?

Fairfield Glade uses the FHA limit for all of Cumberland 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 Fairfield Glade?

The typical homeowner in Fairfield Glade pays $1,017 a year, according to the U.S. Census Bureau. That is 0.29% of the home’s value; in Cumberland County, the rate is 0.29%.

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

There is 1 HUD-approved counseling agency with an office in Cumberland County. 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).