In Harriman, a typical home is worth $153,200 and typical rent is $763 a month. Compared with all of Roane County, typical household income is 38% lower, the typical home value is 34% lower, and the share of households that own their home is 17 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $184,871 to $240,596.
Typical rent
$1,146a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Harriman is in Roane 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 Roane County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical household income in Harriman is $44,653,38% less than in Roane County as a whole ($71,885).
2
61% of households in Harriman own their home, against 78% in Roane County.
3
The typical home in Harriman is worth $153,200,34% less than in Roane County as a whole ($232,900).
4
According to Zillow, in the 12 months to September 2026 the typical home value in Harriman rose 4.6%; in Tennessee, it rose 0.6%.
5
Nearby, in Rockwood, the typical home value is $128,700: 16% less than in Harriman ($153,200).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Harriman
What homes there are in Harriman, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Harriman
Roane County
Tennessee
United States
Kind of home: Harriman and its comparisons
Measure
Harriman
Roane County
Tennessee
United States
Detached house
71%
77%
68%
61%
Attached house
Unreliable estimate
2%
4%
6%
Building of 2 to 4
11%
4%
6%
8%
Apartments (5 or more)
Unreliable estimate
5%
14%
19%
Mobile home
Unreliable estimate
12%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Harriman, 7 in 10 homes are single-family detached houses; in Roane County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Harriman
Roane County
Tennessee
United States
Year built: Harriman and its comparisons
Measure
Harriman
Roane County
Tennessee
United States
Before 1960
50%
23%
18%
26%
1960–1979
33%
29%
23%
24%
1980–1999
11%
26%
29%
25%
2000–2009
Unreliable estimate
15%
16%
14%
2010 or later
Unreliable estimate
8%
15%
11%
In Harriman, half of the homes were built before 1960; in Roane County, before 1979.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K25%
$100K–$200K39%
$200K–$300K31%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Harriman and its comparisons
Measure
Harriman
Under $100K
25%
$100K–$200K
39%
$200K–$300K
31%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50030%
$500–$99951%
$1,000–$1,499Unreliable
HUD fair market rent, 2 bedrooms: $1,048
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Harriman and its comparisons
Measure
Harriman
Under $500
30%
$500–$999
51%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a HUD fair market rent of $1,048 for 2 bedrooms, at least 81% of rented homes in Harriman sit below it.
With a mortgage
$1,282 a month
Roane County: $1,423 a month
Without a mortgage
$447 a month
Roane County: $463 a month
Owners with a mortgage
54%
Roane County: 52%
Owning costs less in Harriman: with a mortgage, the typical cost is $1,282 a month; in Roane County, $1,423. Without one, $447.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Harriman+45%
Roane County+55%
Tennessee+72%
United States+53%
Typical rent
Harriman+32%
Roane County+17%
Tennessee+37%
United States+33%
Typical household income
HarrimanNo clear change
Roane County+35%
Tennessee+31%
United States+29%
Change since 2015–2019: Harriman and its comparisons
Measure
Harriman
Roane County
Tennessee
United States
Typical home value
+45%
+55%
+72%
+53%
Typical rent
+32%
+17%
+37%
+33%
Typical household income
No clear change
+35%
+31%
+29%
The typical home value in Harriman rose 45% since 2015–2019, less than in Roane County (55%).
The typical rent in Harriman rose 32% over the same time; in Roane County, it rose 17%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Harriman and its comparisons
Measure
Harriman
Roane County
Tennessee
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
1.5%
2.2%
3.4%
People per household
2.35
2.40
2.45
2.53
Drive alone
85%
81%
76%
69%
Carpool
Unreliable estimate
8%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
Unreliable estimate
9%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
By size, households in Harriman look like those in Roane County: 2.35 people on average.
To get to work, 85% of workers in Harriman drive alone; in Roane County, 81%.
Do the math
What would you pay each month for a home in Harriman?
A typical home is tight for the typical income
We start with a typical home in Harriman, worth $153,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Harriman, which is $44,653 a year. For that payment to be 28% of income, a household would need to earn about $52,158 a year.
The calculator's FHA and conventional loan limits are those of all of Roane County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Harriman. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,362 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,217
at 7.18% · 30 years
Loan amount
$150,425
Total interest
$216,427
Paid off in
November 2056
Includes $2,587 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,042 a month
Tight
$1,042 to $1,340 a month
Your payment · 33%
Hard
more than $1,340 a month
Compared with the typical household income in Harriman ($44,653 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,019
Property tax
$66
Home insurance
$64
FHA mortgage insurance (MIP)
$68
You need at least $5,362 for the down payment, plus closing costs.
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.
Total monthly payment $1,217; principal and interest $1,019.
The city and its county
Harriman and Roane County
Harriman is in Roane 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).
Harriman
Map of Roane County, Tennessee, with Harriman marked. Around it, the neighboring counties.
Harriman
Roane County
Other cities with a page
Harriman's own numbers
Typical home value
$153,200
Typical monthly rent
$763
Typical yearly household income
$44,653
Households that own their home
61%
Effective property tax rate
0.52%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Roane County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,048
Price change over 5 years (FHFA)
+78%
Homes in a high flood-risk zone
1.1%
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 Roane County.
A typical home in Harriman is worth $153,200: 34% below the county and 47% below Tennessee. With the typical household income in Harriman ($44,653 a year), a typical home costs 3.4 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.
Harriman3.4 years
Roane3.2 years
Tennessee4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Roane County
According to FHFA’s house price index, home prices in Roane County rose 128% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Roane County.
Yearly change in FHFA’s price index in Roane County, 2016 to 2025
2016: +3.3% +3.3% 2016
2017: +6.4% +6.4% 2017
2018: +4.2% +4.2% 2018
2019: +4.5% +4.5% 2019
2020: +6.9% +6.9% 2020
2021: +13.4% +13.4% 2021
2022: +23.6% +23.6% 2022
2023: +11.8% +11.8% 2023
2024: +5.4% +5.4% 2024
2025: +7.8% +7.8% 2025
Change in FHFA’s price index in Roane County, Tennessee and the United States
Period
County
Tennessee
U.S.
Last year (2025)
+7.8%
+2.4%
+2.9%
5 years (2020–2025)
+78%
+60%
+47%
10 years (2015–2025)
+128%
+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
Harriman next to Roane 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
Harriman$153,200
Roane$232,900
Tennessee$286,700
United States$332,700
Typical monthly rent
Harriman$763
Roane$785
Tennessee$1,189
United States$1,413
Typical yearly household income
Harriman$44,653
Roane$71,885
Tennessee$69,595
United States$80,734
See the full table
Harriman next to Roane County and Tennessee
Measure
Harriman
Roane County
Tennessee
U.S.
Typical home value
$153,200 ▼34% below the county
$232,900
$286,700
$332,700
Typical monthly rent
$763 ▼3% below the county
$785
$1,189
$1,413
Typical yearly household income
$44,653 ▼38% below the county
$71,885
$69,595
$80,734
Households that own their home
61% ▼17 points below the county
78%
67%
65%
Typical yearly property tax
$792 ▼35% below the county
$1,223
$1,442
$3,119
Effective property tax rate
0.52% ▼0.01 points below the county
0.53%
0.5%
0.94%
Renters with high rent for their income
52% ▲11 points above the county
41%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Roane 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 Harriman
For a typical $153,200 home in Harriman, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Harriman's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,217a month
Least cash to close
Down payment
$5,362
Cash to close
$9,958
Rate
7.18%
Mortgage insurance
FHA MIP · $68
Conventional, 5% down$1,189a month
Down payment
$7,660
Cash to close
$12,256
Rate
7.18%
Mortgage insurance
PMI · $73
Conventional, 20% down, no PMI$960a month
Down payment
$30,640
Cash to close
$35,236
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,102a month
Down payment
$22,980
Cash to close
$27,576
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Harriman
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,217
$5,362
$150,425
7.18%
FHA MIP · $68
$9,958
580
Conventional, 5% down
$1,189
$7,660
$145,540
7.18%
PMI · $73
$12,256
620*
Conventional, 20% down, no PMI
$960
$30,640
$122,560
7.18%
None
$35,236
620*
ITIN, 15% down (example)
$1,102
$22,980
$130,220
8.18%
None
$27,576
Set by the lender
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.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Harriman and for Roane County.
Property tax
Effective rate in Harriman
0.52%of the home’s value each year
$792 a year for the typical owner in Harriman.
Harriman0.52%
Roane0.53%
Tennessee0.5%
What Tennessee publishesProperty tax relief for older, disabled and disabled-veteran homeowners (Tennessee Comptroller of the Treasury, 2026 Property Tax Relief Program brochure)
Typical rent in Harriman is $763 a month: 3% below the county. In Harriman, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Roane County, by unit size. To pay the 2-bedroom one ($1,048 a month) without spending more than 30% of your income, you would need to earn $20.15 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Roane County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$857
$16.48
$34,280
1 bedroom
$862
$16.58
$34,480
2 bedrooms
$1,048
$20.15
$41,920
3 bedrooms
$1,395
$26.83
$55,800
4 bedrooms
$1,649
$31.71
$65,960
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 Harriman
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Harriman is in ZIP code 37748.
For 2 bedrooms it is $1,040: $8 less than the fair market rent for Roane County ($1,048).
Fair market rent by ZIP code and size in Harriman, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
37748
$840
$850
$1,040
$1,380
$1,650
ZIP code2 bd3 bd
37748 $1,040$1,380
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Harriman 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 2 buildings with rents for lower incomes in Harriman. These are the largest.
Harriman Ha708 Clifty St, Harriman 37748305 homes, 304 low-income · Run by Harriman Housing Authority · Average payment: $355 a month · Average wait: 4 months · Homes at several sites(865) 882-9636
Harriman Gardens925 Sewanee St, Harriman 37748137 homes, 136 low-income · Studio: 1 · 1 bd: 126 · 2 bd: 10 · In service since 2017 · For older adults(865) 882-2777
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 Roane County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Harriman or Roane County. The ones below are statewide in Tennessee: they work in Harriman the same as in the rest of the state.
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).
No legal help resource on our list is for Harriman or Roane County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Harriman and all of Roane 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 Harriman?
The typical home value in Harriman is $153,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Roane County it is $232,900.
How much does it cost to rent in Harriman?
Typical rent in Harriman is $763 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Roane County is $1,048.
What is the FHA loan limit in Harriman?
Harriman uses the FHA limit for all of Roane 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 Harriman?
The typical homeowner in Harriman pays $792 a year, according to the U.S. Census Bureau. That is 0.52% of the home’s value; in Roane County, the rate is 0.53%.
Where can I find free help to buy or rent in Harriman?
We found no HUD-approved counseling agencies with an office in Roane County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
