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City · 63,091 residents · Sumner County, Tennessee

Hendersonville , Tennessee

In Hendersonville, a typical home is worth $430,700 and typical rent is $1,653 a month. Compared with all of Sumner County, typical rent is 16% higher and the typical home value is 10% higher.

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  • Typical home value

    $430,700

    10% above the county

    50% above Tennessee

    • Hendersonville
    • Sumner
    • Tennessee

  • Typical rent

    $1,653a month

    16% above the county

    39% above Tennessee

    • Hendersonville
    • Sumner
    • Tennessee

  • Typical household income

    $97,200a year

    8% above the county

    40% above Tennessee

    • Hendersonville
    • Sumner
    • Tennessee

  • Households that own their home

    72%

    About the same as the county

    5 points above Tennessee

    • Hendersonville
    • Sumner
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$515,384
0.6% more than 12 months ago
Typical rent
$1,651 a month
1.9% more than 12 months ago

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

Hendersonville 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 Hendersonville apart

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

  1. Nearby, in Millersville, the typical home value is $309,900: 28% less than in Hendersonville ($430,700).

  2. Nearby, in Green Hill, the typical rent is $1,296: 22% less than in Hendersonville ($1,653).

  3. The typical rent in Hendersonville is $1,653 a month, 16% more than in Sumner County as a whole ($1,424).

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

The homes here

Housing in Hendersonville

What homes there are in Hendersonville, 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

As in Sumner County, most homes in Hendersonville are detached houses (74%).

Year built

Homes in Hendersonville are older: the typical year built is 1989; in Sumner County, 1995.

Much as in Sumner County, 75% of homes in Hendersonville have 3 bedrooms or more.

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 $1,029,250, at least 96% of owner-occupied homes in Hendersonville sit below it: they are worth less than $1,000,000.

Monthly rent with utilities

With a mortgage

$1,976 a month

Sumner County: $1,831 a month

Without a mortgage

$632 a month

Sumner County: $560 a month

Owners with a mortgage

70%

Sumner County: 67%

In Hendersonville, 70% of owners have a mortgage, and their typical cost is $1,976 a month, against $1,831 in Sumner County. Without one it drops to $632.

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

The typical home value in Hendersonville rose 62% since 2015–2019, less than in Sumner County (68%).

The typical rent in Hendersonville rose 41% since 2015–2019, about the same as in Sumner County (39%).

Here income did not keep up with housing: it rose 34%, while home values changed +62% and rent +41%.

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

MeasureHendersonvilleSumner 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 1.7%1.9%2.2%3.4%
People per household 2.482.582.452.53
Drive alone 73%74%76%69%
Carpool 6%8%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 20%16%13%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 1.7% of households in Hendersonville live, near the figure in Sumner County (1.9%).

A household in Hendersonville has 2.48 people on average, about the same as in Sumner County (2.58).

Many people here do not commute at all: 20% work from home; in Sumner County, 16%.

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 Hendersonville?

A typical home costs more than the typical income allows

We start with a typical home in Hendersonville, worth $430,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Hendersonville, which is $97,200 a year. For that payment to be 28% of income, a household would need to earn about $147,403 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 Hendersonville. 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 $15,075 (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

$3,439

at 7.18% · 30 years

Loan amount
$422,898
Total interest
$608,452
Paid off in
November 2056

Includes $7,273 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,268 a month

  • Tight

    $2,268 to $2,916 a month

  • Hard

    more than $2,916 a month

    Your payment · 42%

Compared with the typical household income in Hendersonville ($97,200 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,439
Principal & interest$2,865
Property tax$205
Home insurance$180
FHA mortgage insurance (MIP)$190

You need at least $15,075 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

Hendersonville and Sumner County

Hendersonville 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).

Hendersonville's own numbers

Typical home value
$430,700
Typical monthly rent
$1,653
Typical yearly household income
$97,200
Households that own their home
72%
Effective property tax rate
0.57%

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 Hendersonville

A typical home in Hendersonville is worth $430,700: 10% above the county and 50% above Tennessee. With the typical household income in Hendersonville ($97,200 a year), a typical home costs 4.4 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.

  • Hendersonville 4.4 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

Hendersonville 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
  • Hendersonville $430,700
  • Sumner $393,100
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Hendersonville $1,653
  • Sumner $1,424
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Hendersonville $97,200
  • Sumner $90,301
  • Tennessee $69,595
  • United States $80,734
See the full table
Hendersonville next to Sumner County and Tennessee
Measure Hendersonville Sumner County Tennessee U.S.
Typical home value $430,700 $393,100 $286,700 $332,700
Typical monthly rent $1,653 $1,424 $1,189 $1,413
Typical yearly household income $97,200 $90,301 $69,595 $80,734
Households that own their home 72% 72% 67% 65%
Typical yearly property tax $2,458 $1,987 $1,442 $3,119
Effective property tax rate 0.57% 0.51% 0.5% 0.94%
Renters with high rent for their income 46% 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 Hendersonville

For a typical $430,700 home in Hendersonville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hendersonville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,439a month

    Least cash to close
    Down payment
    $15,075
    Cash to close
    $27,996
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $190

  • Conventional, 5% down $3,360a month

    Down payment
    $21,535
    Cash to close
    $34,456
    Rate
    7.18%
    Mortgage insurance
    PMI · $205

  • Conventional, 20% down, no PMI $2,718a month

    Down payment
    $86,140
    Cash to close
    $99,061
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,116a month

    Down payment
    $64,605
    Cash to close
    $77,526
    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 Hendersonville and for Sumner County.

Property tax

Effective rate in Hendersonville

0.57%of the home’s value each year

$2,458 a year for the typical owner in Hendersonville.

  • Hendersonville 0.57%
  • 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 Hendersonville

Typical rent in Hendersonville is $1,653 a month: 16% above the county. In Hendersonville, 46% 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 Hendersonville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hendersonville is in ZIP code 37075.

For 2 bedrooms it is $1,890: $92 more than the fair market rent for Sumner County ($1,798).

  • 37075 $1,890$2,430

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

HUD lists 5 buildings with rents for lower incomes in Hendersonville. These are the largest.

  • Waterview Apartments 1300 Waterview Cir, Hendersonville 37075 160 low-income homes · 2 bd: 124 · 3 bd: 36 · In service since 2016
  • Wessington House Apts II 320 New Shackle Island Rd, Hendersonville 37075 80 low-income homes · For families (615) 824-6047
  • Christian Manor Apartments 100 Trident Pl, Hendersonville 37075 80 homes, 79 low-income · For older adults (615) 824-9265
  • Christian Manor II 100 Riviera Dr, Hendersonville 37075 57 homes, 56 low-income · For older adults (615) 824-9265
  • Waterview Commons Phase II 1300 Waterview Cir, Hendersonville 37075 40 low-income homes · 2 bd: 36 · 3 bd: 4 · In service since 1995 · For families

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

Free help

Help to buy or rent in Hendersonville

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.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Hendersonville

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

The HUD-approved agencies closest to the center of Hendersonville, 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 · 11 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 · 12 miles away

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

  • Affordable Housing Resources of Nashville, Inc

    1 Vantage Way Ste C130, Nashville · 13 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (615) 251-0025

Every agency in Sumner County All counseling agencies in Tennessee

Help in Spanish near Hendersonville

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 Hendersonville

In HUD’s record, no housing authority with an office in Sumner County is named for Hendersonville or Sumner County.

2 other authorities have 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 Hendersonville, 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 Hendersonville.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Hendersonville

Short answers with the numbers for Hendersonville 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 Hendersonville?

The typical home value in Hendersonville is $430,700, 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 Hendersonville?

Typical rent in Hendersonville is $1,653 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 Hendersonville?

Hendersonville 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 Hendersonville?

The typical homeowner in Hendersonville pays $2,458 a year, according to the U.S. Census Bureau. That is 0.57% of the home’s value; in Sumner County, the rate is 0.51%.

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

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).