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City · 15,646 residents · Greene County, Tennessee

Greeneville , Tennessee

In Greeneville, a typical home is worth $227,400 and typical rent is $650 a month. Compared with all of Greene County, typical rent is 12% lower, typical household income is 11% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $227,400

    10% above the county

    21% below Tennessee

    • Greeneville
    • Greene
    • Tennessee

  • Typical rent

    $650a month

    12% below the county

    45% below Tennessee

    • Greeneville
    • Greene
    • Tennessee

  • Typical household income

    $49,889a year

    11% below the county

    28% below Tennessee

    • Greeneville
    • Greene
    • Tennessee

  • Households that own their home

    63%

    14 points below the county

    4 points below Tennessee

    • Greeneville
    • Greene
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$244,471
1.5% more than 12 months ago
Typical rent
$1,149 a month
1.3% more than 12 months ago

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

Greeneville is in Greene 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 Greene County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Greeneville apart

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

  1. Greeneville has the 3rd lowest typical rent of the 109 cities in Tennessee with more than 5,000 people ($650).

  2. Nearby, in Newport, the typical home value is $133,500: 41% less than in Greeneville ($227,400).

  3. 63% of households in Greeneville own their home, against 77% in Greene County.

  4. Greeneville has the 8th largest share of rent-burdened renters of the 101 cities in Tennessee with more than 5,000 people (58%).

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

The homes here

Housing in Greeneville

What homes there are in Greeneville, 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

The detached house is the most common home in Greeneville: 66% of homes, near the figure in Greene County (68%).

Year built

The typical home in Greeneville was built in 1971, 12 years before the typical one in Greene County.

Homes in Greeneville are smaller: 59% have 3 bedrooms or more; in Greene County, 68%.

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

With an FHA limit of $541,287, at least 90% of owner-occupied homes in Greeneville sit below it: they are worth less than $500,000.

Monthly rent with utilities

About 82% of rented homes in Greeneville cost less than HUD's 2-bedroom fair market rent for Greene County ($995).

With a mortgage

$1,195 a month

Greene County: $1,150 a month

Without a mortgage

$439 a month

Greene County: $361 a month

Owners with a mortgage

63%

Greene County: 50%

The typical cost for an owner with a mortgage in Greeneville is $1,195 a month, near the figure in Greene County ($1,150).

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 Greeneville gained value faster than in Greene County: 76% against 70%.

The typical rent in Greeneville stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureGreenevilleGreene CountyTennesseeUnited States
Rental vacancy Unreliable estimate9.3%6.1%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 2.372.462.452.53
Drive alone 79%81%76%69%
Carpool 9%9%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 10%8%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Greene County, a household in Greeneville has 2.37 people on average.

To get to work, 79% of workers in Greeneville drive alone; in Greene County, 81%.

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 Greeneville?

A typical home costs more than the typical income allows

We start with a typical home in Greeneville, worth $227,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Greeneville, which is $49,889 a year. For that payment to be 28% of income, a household would need to earn about $78,313 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Greeneville. 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 $7,959 (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

$1,827

at 7.18% · 30 years

Loan amount
$223,281
Total interest
$321,249
Paid off in
November 2056

Includes $3,840 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,164 a month

  • Tight

    $1,164 to $1,497 a month

  • Hard

    more than $1,497 a month

    Your payment · 44%

Compared with the typical household income in Greeneville ($49,889 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,827
Principal & interest$1,513
Property tax$119
Home insurance$95
FHA mortgage insurance (MIP)$101

You need at least $7,959 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

Greeneville and Greene County

Greeneville is in Greene 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).

Greeneville's own numbers

Typical home value
$227,400
Typical monthly rent
$650
Typical yearly household income
$49,889
Households that own their home
63%
Effective property tax rate
0.63%

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

Numbers for all of Greene County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$995
Price change over 5 years (FHFA)
+77%
Homes in a high flood-risk zone
0.9%

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 Greene County.

Everything about Greene County

Buying

Buying a home in Greeneville

A typical home in Greeneville is worth $227,400: 10% above the county and 21% below Tennessee. With the typical household income in Greeneville ($49,889 a year), a typical home costs 4.6 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.

  • Greeneville 4.6 years
  • Greene 3.7 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Greene County

According to FHFA’s house price index, home prices in Greene County rose 116% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +5.3% +2.4% +2.9%
5 years (2020–2025) +77% +60% +47%
10 years (2015–2025) +116% +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

Greeneville next to Greene 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
  • Greeneville $227,400
  • Greene $207,500
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Greeneville $650
  • Greene $737
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Greeneville $49,889
  • Greene $56,194
  • Tennessee $69,595
  • United States $80,734
See the full table
Greeneville next to Greene County and Tennessee
Measure Greeneville Greene County Tennessee U.S.
Typical home value $227,400 $207,500 $286,700 $332,700
Typical monthly rent $650 $737 $1,189 $1,413
Typical yearly household income $49,889 $56,194 $69,595 $80,734
Households that own their home 63% 77% 67% 65%
Typical yearly property tax $1,429 $890 $1,442 $3,119
Effective property tax rate 0.63% 0.43% 0.5% 0.94%
Renters with high rent for their income 58% 42% 49% 51%

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

For a typical $227,400 home in Greeneville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Greeneville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,827a month

    Least cash to close
    Down payment
    $7,959
    Cash to close
    $14,781
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $101

  • Conventional, 5% down $1,786a month

    Down payment
    $11,370
    Cash to close
    $18,192
    Rate
    7.18%
    Mortgage insurance
    PMI · $108

  • Conventional, 20% down, no PMI $1,447a month

    Down payment
    $45,480
    Cash to close
    $52,302
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,657a month

    Down payment
    $34,110
    Cash to close
    $40,932
    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 Greeneville and for Greene County.

Property tax

Effective rate in Greeneville

0.63%of the home’s value each year

$1,429 a year for the typical owner in Greeneville.

  • Greeneville 0.63%
  • Greene 0.43%
  • 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 Greene County

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

Homes in the high-risk zone
0.9%
288
Of those, with NFIP insurance
13%
County Tennessee U.S.
Homes in the high-risk zone 0.9% 1.6% 3.5%
Of those, with NFIP insurance 13% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Greeneville

Typical rent in Greeneville is $650 a month: 12% below the county. In Greeneville, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Greene County, by unit size. To pay the 2-bedroom one ($995 a month) without spending more than 30% of your income, you would need to earn $19.13 an hour working full time.

HUD fair market rent for all of Greene 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 $693 $13.33 $27,720
1 bedroom $789 $15.17 $31,560
2 bedrooms $995 $19.13 $39,800
3 bedrooms $1,268 $24.38 $50,720
4 bedrooms $1,365 $26.25 $54,600

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 Greeneville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Greeneville has 2 ZIP codes with their own.

For 2 bedrooms it is $1,010 in all of them.

2 of the 2 are above the fair market rent for Greene County ($995).

  • 37743 $1,010$1,290
  • 37745 $1,010$1,280

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Greeneville 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 Greeneville

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

  • Earl H. Smith Homes 225A Ross Blvd, Greeneville 37743 332 homes, 324 low-income · Run by Greeneville Housing Authority · Average payment: $406 a month · Average wait: 8 months (423) 638-3111
  • Plaza Towers 224 Thornwood Dr, Greeneville 37745 114 homes, 113 low-income · For older adults (423) 639-4044
  • Greeneville Terrace Apartments 406 Elk St, Greeneville 37745 100 low-income homes · For older adults (423) 639-5291
  • Hidden Oaks 1108 W Summer St, Greeneville 37743 72 low-income homes · 2 bd: 32 · 3 bd: 40 · In service since 2006 · For people with disabilities, families
  • Indian Hills 48 Indian Hills Cir, Greeneville 37743 52 homes, 51 low-income · For families (423) 639-3866

See all 13 buildings in Greene County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Greeneville

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 Greene County; 1 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 Greeneville

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

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

  • Telamon Corporation - Tennessee Branch

    100 Erin Ln, Bulls Gap · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (984) 365-6571

  • Eastern Eight Community Development Corp.

    3 Limited Centre St, Johnson City · 27 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (423) 232-5097

  • Clinch-Powell Resource Conservation and Development Council, Inc

    7995 Rutledge Pike, Rutledge · 40 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (865) 828-5927

Every agency in Greene County All counseling agencies in Tennessee

Help in Spanish near Greeneville

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 Greeneville

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

All housing agencies in Tennessee Source: HUD

Cities

Nearby cities

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

Everything about Greene County Housing in Tennessee

Neighboring counties

If Greene 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 Greeneville.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Greeneville

Short answers with the numbers for Greeneville and all of Greene 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 Greeneville?

The typical home value in Greeneville is $227,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Greene County it is $207,500.

How much does it cost to rent in Greeneville?

Typical rent in Greeneville is $650 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Greene County is $995.

What is the FHA loan limit in Greeneville?

Greeneville uses the FHA limit for all of Greene 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 Greeneville?

The typical homeowner in Greeneville pays $1,429 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in Greene County, the rate is 0.43%.

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

There is 1 HUD-approved counseling agency with an office in Greene County. 1 says it serves in Spanish. 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).