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City · 48,532 residents · Sumner County, Tennessee

Gallatin , Tennessee

In Gallatin, a typical home is worth $372,000 and typical rent is $1,395 a month. Compared with all of Sumner County, typical household income is 14% lower, the typical home value is 5% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $372,000

    5% below the county

    30% above Tennessee

    • Gallatin
    • Sumner
    • Tennessee

  • Typical rent

    $1,395a month

    2% below the county

    17% above Tennessee

    • Gallatin
    • Sumner
    • Tennessee

  • Typical household income

    $77,518a year

    14% below the county

    11% above Tennessee

    • Gallatin
    • Sumner
    • Tennessee

  • Households that own their home

    57%

    15 points below the county

    10 points below Tennessee

    • Gallatin
    • Sumner
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$436,321
0.6% more than 12 months ago
Typical rent
$1,719 a month
1.2% more than 12 months ago

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

Gallatin is in Sumner 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 Sumner County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gallatin apart

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

  1. 57% of households in Gallatin own their home, against 72% in Sumner County.

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

The homes here

Housing in Gallatin

What homes there are in Gallatin, 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 Gallatin (56%), but less so than in Sumner County (73%).

Year built

The typical home in Gallatin was built in 2004, 9 years after the typical one in Sumner County.

There are fewer big homes in Gallatin than in Sumner County: 58% have 3 bedrooms or more, against 73%.

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

At least 96% of owner-occupied homes in Gallatin are worth less than $1,000,000, below the FHA loan limit for Sumner County ($1,029,250).

Monthly rent with utilities

About 78% of rented homes in Gallatin cost less than HUD's 2-bedroom fair market rent for Sumner County ($1,798).

With a mortgage

$1,778 a month

Sumner County: $1,831 a month

Without a mortgage

$552 a month

Sumner County: $560 a month

Owners with a mortgage

68%

Sumner County: 67%

In Gallatin, 68% of owners have a mortgage; their typical cost is $1,778 a month, about the same as in Sumner County.

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 Gallatin rose at about the same pace as in Sumner County: 67% against 68%.

Rents in Gallatin rose faster than in Sumner County: 45% since 2015–2019, against 39%.

The typical household income in Gallatin rose 30%: less than home values (+67%) and rent (+45%).

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

MeasureGallatinSumner CountyTennesseeUnited States
Rental vacancy Unreliable estimate5.6%6.1%5.5%
Homeowner vacancy Unreliable estimate1.3%0.9%0.9%
More than one person per room 2.6%1.9%2.2%3.4%
People per household 2.412.582.452.53
Drive alone 73%74%76%69%
Carpool 9%8%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 15%16%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Sumner County, 2.6% of households in Gallatin have more than one person per room.

On average, a household in Gallatin has 2.41 people, fewer than in Sumner County (2.58).

In Gallatin, 73% of workers drive alone to work; in Sumner County, 74%.

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 Gallatin?

A typical home costs more than the typical income allows

We start with a typical home in Gallatin, worth $372,000, 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 Gallatin, which is $77,518 a year. For that payment to be 28% of income, a household would need to earn about $126,915 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Gallatin. 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 $13,020 (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

$2,961

at 7.18% · 30 years

Loan amount
$365,262
Total interest
$525,527
Paid off in
November 2056

Includes $6,282 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,809 a month

  • Tight

    $1,809 to $2,326 a month

  • Hard

    more than $2,326 a month

    Your payment · 46%

Compared with the typical household income in Gallatin ($77,518 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,961
Principal & interest$2,474
Property tax$167
Home insurance$155
FHA mortgage insurance (MIP)$165

You need at least $13,020 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

Gallatin and Sumner County

Gallatin is in Sumner 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).

Gallatin's own numbers

Typical home value
$372,000
Typical monthly rent
$1,395
Typical yearly household income
$77,518
Households that own their home
57%
Effective property tax rate
0.54%

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

Numbers for all of Sumner 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)
+60%
Homes in a high flood-risk zone
1.3%

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 Sumner County.

Everything about Sumner County

Buying

Buying a home in Gallatin

A typical home in Gallatin is worth $372,000: 5% below the county and 30% above Tennessee. With the typical household income in Gallatin ($77,518 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.

  • Gallatin 4.8 years
  • Sumner 4.4 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sumner County

According to FHFA’s house price index, home prices in Sumner County rose 125% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +1.8% +2.4% +2.9%
5 years (2020–2025) +60% +60% +47%
10 years (2015–2025) +125% +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

Gallatin next to Sumner 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
  • Gallatin $372,000
  • Sumner $393,100
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Gallatin $1,395
  • Sumner $1,424
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Gallatin $77,518
  • Sumner $90,301
  • Tennessee $69,595
  • United States $80,734
See the full table
Gallatin next to Sumner County and Tennessee
Measure Gallatin Sumner County Tennessee U.S.
Typical home value $372,000 $393,100 $286,700 $332,700
Typical monthly rent $1,395 $1,424 $1,189 $1,413
Typical yearly household income $77,518 $90,301 $69,595 $80,734
Households that own their home 57% 72% 67% 65%
Typical yearly property tax $2,003 $1,987 $1,442 $3,119
Effective property tax rate 0.54% 0.51% 0.5% 0.94%
Renters with high rent for their income 53% 49% 49% 51%

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

For a typical $372,000 home in Gallatin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gallatin's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,961a month

    Least cash to close
    Down payment
    $13,020
    Cash to close
    $24,180
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $165

  • Conventional, 5% down $2,893a month

    Down payment
    $18,600
    Cash to close
    $29,760
    Rate
    7.18%
    Mortgage insurance
    PMI · $177

  • Conventional, 20% down, no PMI $2,338a month

    Down payment
    $74,400
    Cash to close
    $85,560
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,682a month

    Down payment
    $55,800
    Cash to close
    $66,960
    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 Gallatin and for Sumner County.

Property tax

Effective rate in Gallatin

0.54%of the home’s value each year

$2,003 a year for the typical owner in Gallatin.

  • Gallatin 0.54%
  • Sumner 0.51%
  • 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 Sumner County

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

Homes in the high-risk zone
1.3%
827
Of those, with NFIP insurance
35%
County Tennessee U.S.
Homes in the high-risk zone 1.3% 1.6% 3.5%
Of those, with NFIP insurance 35% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gallatin

Typical rent in Gallatin is $1,395 a month: 2% below the county. In Gallatin, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sumner 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 Sumner 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 Gallatin

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gallatin is in ZIP code 37066.

For 2 bedrooms it is $1,690: $108 less than the fair market rent for Sumner County ($1,798).

  • 37066 $1,690$2,170

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

HUD lists 17 buildings with rents for lower incomes in Gallatin. These are the largest.

  • The Residences of Galatin 199 Albright Farms Dr, Gallatin 37066 188 low-income homes · 1 bd: 60 · 2 bd: 96 · 3 bd: 32 · In service since 2018 · For families
  • Villages of Gallatin 614 N Water Ave, Gallatin 37066 185 low-income homes · 2 bd: 80 · 3 bd: 83 · 4 bd: 22 · In service since 2002
  • Chapel Ridge of Gallatin 1590 Airport Rd, Gallatin 37066 208 homes, 168 low-income · 1 bd: 32 · 2 bd: 80 · 3 bd: 56 · In service since 2006
  • Green Wood Apts 790 Green Wave Dr, Gallatin 37066 164 low-income homes · 3 bd: 164 · In service since 1994 · For families
  • Christian Towers of Gallatin 138 E Franklin St, Gallatin 37066 100 low-income homes · For older adults (615) 452-9363

See all 30 buildings in Sumner County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Gallatin

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 Sumner County; none says it serves in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Gallatin

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

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

  • Unlimited Potential CDC

    260 E Winchester St, Gallatin · 1 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (615) 230-5906

  • Aaa Residential Resources, Inc.

    604 Gallatin Ave Ste 103, Nashville · 21 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (615) 650-9779

  • Woodbine Community Organization

    643 Spence Ln, Nashville · 22 miles away

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (615) 850-3447

Every agency in Sumner County All counseling agencies in Tennessee

Help in Spanish near Gallatin

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 Gallatin

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

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

Cities

Other cities in Sumner County

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

Everything about Sumner County Housing in Tennessee

Nearby cities

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

Neighboring counties

If Sumner 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 Gallatin.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Gallatin

Short answers with the numbers for Gallatin and all of Sumner 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 Gallatin?

The typical home value in Gallatin is $372,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sumner County it is $393,100.

How much does it cost to rent in Gallatin?

Typical rent in Gallatin is $1,395 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sumner County is $1,798.

What is the FHA loan limit in Gallatin?

Gallatin uses the FHA limit for all of Sumner 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 Gallatin?

The typical homeowner in Gallatin pays $2,003 a year, according to the U.S. Census Bureau. That is 0.54% of the home’s value; in Sumner County, the rate is 0.51%.

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

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