City · 56,262 residents · Sullivan County, Tennessee
Kingsport, Tennessee
In Kingsport, a typical home is worth $234,100 and typical rent is $907 a month. Compared with all of Sullivan County, typical household income is 11% lower, the typical home value is 10% higher, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $193,168 to $253,302.
Typical rent
$1,309a month
▲ 2.6% more than 12 months ago
Typical rent from Zillow, June 2022 to September 2026: from $1,072 to $1,309.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Kingsport is in Sullivan 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 Sullivan County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Bloomingdale, the typical home value is $165,500: 29% less than in Kingsport ($234,100).
2
60% of households in Kingsport own their home, against 72% in Sullivan County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Kingsport
What homes there are in Kingsport, 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
Kingsport
Sullivan County
Tennessee
United States
Kind of home: Kingsport and its comparisons
Measure
Kingsport
Sullivan County
Tennessee
United States
Detached house
63%
70%
68%
61%
Attached house
3%
3%
4%
6%
Building of 2 to 4
9%
6%
6%
8%
Apartments (5 or more)
21%
11%
14%
19%
Mobile home
3%
10%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Kingsport (63%), but less so than in Sullivan County (70%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Kingsport
Sullivan County
Tennessee
United States
Year built: Kingsport and its comparisons
Measure
Kingsport
Sullivan County
Tennessee
United States
Before 1960
32%
28%
18%
26%
1960–1979
25%
27%
23%
24%
1980–1999
24%
27%
29%
25%
2000–2009
10%
10%
16%
14%
2010 or later
9%
8%
15%
11%
In Kingsport, half of the homes were built before 1975; in Sullivan County, before 1977.
There are fewer big homes in Kingsport than in Sullivan County: 58% have 3 bedrooms or more, against 65%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K13%
$100K–$200K28%
$200K–$300K23%
$300K–$500K28%
$500K–$750K6%
FHA limit: $541,287
$750K–$1M1%
$1M or moreUnreliable
Value of owner-occupied homes: Kingsport and its comparisons
Measure
Kingsport
Under $100K
13%
$100K–$200K
28%
$200K–$300K
23%
$300K–$500K
28%
$500K–$750K
6%
$750K–$1M
1%
$1M or more
Unreliable estimate
By price, most homes in Kingsport sit under the FHA limit for Sullivan County ($541,287): about 93%.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50020%
$500–$99943%
$1,000–$1,49928%
HUD fair market rent, 2 bedrooms: $1,091
$1,500–$1,9996%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Kingsport and its comparisons
Measure
Kingsport
Under $500
20%
$500–$999
43%
$1,000–$1,499
28%
$1,500–$1,999
6%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Sullivan County is $1,091; about 68% of rents in Kingsport are below it.
With a mortgage
$1,387 a month
Sullivan County: $1,290 a month
Without a mortgage
$454 a month
Sullivan County: $417 a month
Owners with a mortgage
55%
Sullivan County: 50%
The typical cost for an owner with a mortgage in Kingsport is $1,387 a month, more than in Sullivan County ($1,290); without one, $454.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Kingsport+61%
Sullivan County+51%
Tennessee+72%
United States+53%
Typical rent
Kingsport+39%
Sullivan County+33%
Tennessee+37%
United States+33%
Typical household income
Kingsport+23%
Sullivan County+26%
Tennessee+31%
United States+29%
Change since 2015–2019: Kingsport and its comparisons
Measure
Kingsport
Sullivan County
Tennessee
United States
Typical home value
+61%
+51%
+72%
+53%
Typical rent
+39%
+33%
+37%
+33%
Typical household income
+23%
+26%
+31%
+29%
From 2015–2019 to 2020–2024, the typical home value in Kingsport rose 61%; in Sullivan County, it rose 51%.
The typical rent in Kingsport rose 39% over the same time; in Sullivan County, it rose 33%.
The typical household income in Kingsport rose 23%: less than home values (+61%) and rent (+39%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Kingsport and its comparisons
Measure
Kingsport
Sullivan County
Tennessee
United States
Rental vacancy
5.1%
5.1%
6.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
1.4%
1.3%
2.2%
3.4%
People per household
2.22
2.30
2.45
2.53
Drive alone
78%
80%
76%
69%
Carpool
6%
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
1%
1%
1%
3%
Work from home
12%
11%
13%
15%
Other means
2%
2%
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Open rentals in Kingsport look like those in Sullivan County: the rental vacancy rate is 5.1%.
More than one person per room: that is how 1.4% of households in Kingsport live, near the figure in Sullivan County (1.3%).
Much as in Sullivan County, a household in Kingsport has 2.22 people on average.
The car rules in Kingsport: 78% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Kingsport?
A typical home costs more than the typical income allows
We start with a typical home in Kingsport, worth $234,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Kingsport, which is $52,490 a year. For that payment to be 28% of income, a household would need to earn about $81,205 a year.
The calculator's FHA and conventional loan limits are those of all of Sullivan 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 Kingsport. 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 $8,194 (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
$1,895
at 7.18% · 30 years
Loan amount
$229,859
Total interest
$330,714
Paid off in
November 2056
Includes $3,953 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,225 a month
Tight
$1,225 to $1,575 a month
Hard
more than $1,575 a month
Your payment · 43%
Compared with the typical household income in Kingsport ($52,490 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,557
Property tax
$137
Home insurance
$98
FHA mortgage insurance (MIP)
$104
You need at least $8,194 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 $1,895; principal and interest $1,557.
The city and its county
Kingsport and Sullivan County
Kingsport is in Sullivan 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).
Kingsport
Map of Sullivan County, Tennessee, with Kingsport marked. Around it, the neighboring counties.
Kingsport
Sullivan County
Other cities with a page
Kingsport's own numbers
Typical home value
$234,100
Typical monthly rent
$907
Typical yearly household income
$52,490
Households that own their home
60%
Effective property tax rate
0.7%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Sullivan County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,091
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
1.6%
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 Sullivan County.
A typical home in Kingsport is worth $234,100: 10% above the county and 18% below Tennessee. With the typical household income in Kingsport ($52,490 a year), a typical home costs 4.5 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.
Kingsport4.5 years
Sullivan3.6 years
Tennessee4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Sullivan County
According to FHFA’s house price index, home prices in Sullivan County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Sullivan County.
Yearly change in FHFA’s price index in Sullivan County, 2016 to 2025
2016: +2.6% +2.6% 2016
2017: +2.1% +2.1% 2017
2018: +4.6% +4.6% 2018
2019: +4.7% +4.7% 2019
2020: +3.9% +3.9% 2020
2021: +14.2% +14.2% 2021
2022: +22.2% +22.2% 2022
2023: +10.3% +10.3% 2023
2024: +8.2% +8.2% 2024
2025: +1.3% +1.3% 2025
Change in FHFA’s price index in Sullivan County, Tennessee and the United States
Period
County
Tennessee
U.S.
Last year (2025)
+1.3%
+2.4%
+2.9%
5 years (2020–2025)
+69%
+60%
+47%
10 years (2015–2025)
+101%
+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
Kingsport next to Sullivan 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
Kingsport$234,100
Sullivan$213,300
Tennessee$286,700
United States$332,700
Typical monthly rent
Kingsport$907
Sullivan$889
Tennessee$1,189
United States$1,413
Typical yearly household income
Kingsport$52,490
Sullivan$58,807
Tennessee$69,595
United States$80,734
See the full table
Kingsport next to Sullivan County and Tennessee
Measure
Kingsport
Sullivan County
Tennessee
U.S.
Typical home value
$234,100 ▲10% above the county
$213,300
$286,700
$332,700
Typical monthly rent
$907 ▲2% above the county
$889
$1,189
$1,413
Typical yearly household income
$52,490 ▼11% below the county
$58,807
$69,595
$80,734
Households that own their home
60% ▼12 points below the county
72%
67%
65%
Typical yearly property tax
$1,645 ▲33% above the county
$1,234
$1,442
$3,119
Effective property tax rate
0.7% ▲0.12 points above the county
0.58%
0.5%
0.94%
Renters with high rent for their income
49% ▲5 points above the county
44%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sullivan 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 Kingsport
For a typical $234,100 home in Kingsport, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kingsport's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,895a month
Least cash to close
Down payment
$8,194
Cash to close
$15,217
Rate
7.18%
Mortgage insurance
FHA MIP · $104
Conventional, 5% down$1,852a month
Down payment
$11,705
Cash to close
$18,728
Rate
7.18%
Mortgage insurance
PMI · $111
Conventional, 20% down, no PMI$1,503a month
Down payment
$46,820
Cash to close
$53,843
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,719a month
Down payment
$35,115
Cash to close
$42,138
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Kingsport
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,895
$8,194
$229,860
7.18%
FHA MIP · $104
$15,217
580
Conventional, 5% down
$1,852
$11,705
$222,395
7.18%
PMI · $111
$18,728
620*
Conventional, 20% down, no PMI
$1,503
$46,820
$187,280
7.18%
None
$53,843
620*
ITIN, 15% down (example)
$1,719
$35,115
$198,985
8.18%
None
$42,138
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 Kingsport and for Sullivan County.
Property tax
Effective rate in Kingsport
0.7%of the home’s value each year
$1,645 a year for the typical owner in Kingsport.
Kingsport0.7%
Sullivan0.58%
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 Kingsport is $907 a month: 2% above the county. In Kingsport, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Sullivan County, by unit size. To pay the 2-bedroom one ($1,091 a month) without spending more than 30% of your income, you would need to earn $20.98 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 Sullivan County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$760
$14.62
$30,400
1 bedroom
$845
$16.25
$33,800
2 bedrooms
$1,091
$20.98
$43,640
3 bedrooms
$1,375
$26.44
$55,000
4 bedrooms
$1,465
$28.17
$58,600
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 Kingsport
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kingsport has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,000 in 37665 to $1,170 in 37660.
1 of the 3 is above the fair market rent for Sullivan County ($1,091).
2-bedroom fair market rent in each of the 3 ZIP codes of Kingsport, beside the one for Sullivan County. For 2 bedrooms it runs from $1,000 in 37665 to $1,170 in 37660. 1 of the 3 is above the fair market rent for Sullivan County ($1,091).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,091
Lowest: $1,000 (37665)Highest: $1,170 (37660)
Fair market rent by ZIP code and size in Kingsport, fiscal year 2027.
37660
$810
$910
$1,170
$1,470
$1,570
37664
$730
$810
$1,050
$1,320
$1,410
37665
$690
$770
$1,000
$1,250
$1,340
ZIP code2 bd3 bd
37660 $1,170$1,470
37664 $1,050$1,320
37665 $1,000$1,250
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kingsport 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 22 buildings with rents for lower incomes in Kingsport. These are the largest.
Model City (stonecrest)1000 Stonegate Rd, Kingsport 37660256 low-income homes · 1 bd: 16 · 2 bd: 112 · 3 bd: 128 · In service since 2010 · For families
Maple Oak Apts818 Oak St, Kingsport 37660175 low-income homes · 1 bd: 175 · In service since 2003 · For older adults(423) 245-9166
Miller Village3836 Eastline Dr, Kingsport 37664153 low-income homes · 1 bd: 24 · 2 bd: 75 · 3 bd: 54 · In service since 2012 · For people with disabilities, families
Miller Village Apartments3840 Eastline Dr, Kingsport 37664153 low-income homes · For families(423) 246-9541
Kingsview921 Larry Neil Way, Kingsport 3766096 low-income homes · 1 bd: 8 · 2 bd: 44 · 3 bd: 44 · In service since 2006 · For families
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 Sullivan 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 Kingsport or Sullivan County. The ones below are statewide in Tennessee: they work in Kingsport 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 Kingsport or Sullivan 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 Kingsport and all of Sullivan 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 Kingsport?
The typical home value in Kingsport is $234,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sullivan County it is $213,300.
How much does it cost to rent in Kingsport?
Typical rent in Kingsport is $907 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sullivan County is $1,091.
What is the FHA loan limit in Kingsport?
Kingsport uses the FHA limit for all of Sullivan 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 Kingsport?
The typical homeowner in Kingsport pays $1,645 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Sullivan County, the rate is 0.58%.
Where can I find free help to buy or rent in Kingsport?
We found no HUD-approved counseling agencies with an office in Sullivan County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
