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City · 7,273 residents · Campbell County, Tennessee

La Follette , Tennessee

In La Follette, a typical home is worth $138,900 and typical rent is $696 a month. Compared with all of Campbell County, typical household income is 27% lower, the typical home value is 26% lower, and the share of households that own their home is 29 points lower.

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  • Typical home value

    $138,900

    26% below the county

    52% below Tennessee

    • La Follette
    • Campbell
    • Tennessee

  • Typical rent

    $696a month

    3% below the county

    41% below Tennessee

    • La Follette
    • Campbell
    • Tennessee

  • Typical household income

    $37,581a year

    27% below the county

    46% below Tennessee

    • La Follette
    • Campbell
    • Tennessee

  • Households that own their home

    40%

    29 points below the county

    27 points below Tennessee

    • La Follette
    • Campbell
    • Tennessee

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

La Follette is in Campbell 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 Campbell County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets La Follette apart

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

  1. La Follette has the lowest homeownership rate of the 113 cities in Tennessee with more than 5,000 people: 40%.

  2. La Follette has the 4th lowest typical home value of the 113 cities in Tennessee with more than 5,000 people ($138,900).

  3. La Follette has the 5th lowest typical household income of the 113 cities in Tennessee with more than 5,000 people ($37,581).

  4. La Follette has the 5th lowest typical rent of the 109 cities in Tennessee with more than 5,000 people ($696).

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

The homes here

Housing in La Follette

What homes there are in La Follette, 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 La Follette (65%), but less so than in Campbell County (72%).

Year built

The typical home in La Follette was built in 1968, 16 years before the typical one in Campbell County.

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
Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Campbell County is $995; about 76% of rents in La Follette are below it.

With a mortgage

$1,027 a month

Campbell County: $1,277 a month

Without a mortgage

$416 a month

Campbell County: $408 a month

Owners with a mortgage

50%

Campbell County: 49%

The typical cost for an owner with a mortgage in La Follette is $1,027 a month, less than in Campbell County ($1,277); without one, $416.

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

Much as in Campbell County, the typical home value in La Follette rose 80% since 2015–2019.

Rent in La Follette moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureLa FolletteCampbell CountyTennesseeUnited States
Rental vacancy Unreliable estimate6.8%6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.2%3.4%
People per household 2.112.282.452.53
Drive alone 83%81%76%69%
Carpool 9%8%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate9%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in La Follette are smaller: 2.11 people on average; in Campbell County, 2.28.

To get to work, 83% of workers in La Follette drive alone; in Campbell 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 La Follette?

A typical home is tight for the typical income

We start with a typical home in La Follette, worth $138,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in La Follette, which is $37,581 a year. For that payment to be 28% of income, a household would need to earn about $46,793 a year.

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

Your numbers

Local data
$

Starts at the typical home value in La Follette. 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 $4,862 (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

$1,092

at 7.18% · 30 years

Loan amount
$136,384
Total interest
$196,224
Paid off in
November 2056

Includes $2,346 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $877 a month

  • Tight

    $877 to $1,127 a month

    Your payment · 35%

  • Hard

    more than $1,127 a month

Compared with the typical household income in La Follette ($37,581 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,092
Principal & interest$924
Property tax$49
Home insurance$58
FHA mortgage insurance (MIP)$61

You need at least $4,862 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

La Follette and Campbell County

La Follette is in Campbell 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).

La Follette's own numbers

Typical home value
$138,900
Typical monthly rent
$696
Typical yearly household income
$37,581
Households that own their home
40%
Effective property tax rate
0.42%

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

Numbers for all of Campbell 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)
+75%
Homes in a high flood-risk zone
1.7%

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 Campbell County.

Everything about Campbell County

Buying

Buying a home in La Follette

A typical home in La Follette is worth $138,900: 26% below the county and 52% below Tennessee. With the typical household income in La Follette ($37,581 a year), a typical home costs 3.7 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.

  • La Follette 3.7 years
  • Campbell 3.6 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Campbell County

According to FHFA’s house price index, home prices in Campbell County rose 122% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) −0.5% +2.4% +2.9%
5 years (2020–2025) +75% +60% +47%
10 years (2015–2025) +122% +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

La Follette next to Campbell 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
  • La Follette $138,900
  • Campbell $186,500
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • La Follette $696
  • Campbell $716
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • La Follette $37,581
  • Campbell $51,557
  • Tennessee $69,595
  • United States $80,734
See the full table
La Follette next to Campbell County and Tennessee
Measure La Follette Campbell County Tennessee U.S.
Typical home value $138,900 $186,500 $286,700 $332,700
Typical monthly rent $696 $716 $1,189 $1,413
Typical yearly household income $37,581 $51,557 $69,595 $80,734
Households that own their home 40% 69% 67% 65%
Typical yearly property tax $584 $691 $1,442 $3,119
Effective property tax rate 0.42% 0.37% 0.5% 0.94%
Renters with high rent for their income 42% 41% 49% 51%

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

For a typical $138,900 home in La Follette, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, La Follette's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,092a month

    Least cash to close
    Down payment
    $4,862
    Cash to close
    $9,029
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $61

  • Conventional, 5% down $1,066a month

    Down payment
    $6,945
    Cash to close
    $11,112
    Rate
    7.18%
    Mortgage insurance
    PMI · $66

  • Conventional, 20% down, no PMI $859a month

    Down payment
    $27,780
    Cash to close
    $31,947
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $988a month

    Down payment
    $20,835
    Cash to close
    $25,002
    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 La Follette and for Campbell County.

Property tax

Effective rate in La Follette

0.42%of the home’s value each year

$584 a year for the typical owner in La Follette.

  • La Follette 0.42%
  • Campbell 0.37%
  • 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 Campbell County

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

Homes in the high-risk zone
1.7%
315
Of those, with NFIP insurance
10%
County Tennessee U.S.
Homes in the high-risk zone 1.7% 1.6% 3.5%
Of those, with NFIP insurance 10% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in La Follette

Typical rent in La Follette is $696 a month: 3% below the county. In La Follette, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Campbell 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 Campbell 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 $756 $14.54 $30,240
1 bedroom $761 $14.63 $30,440
2 bedrooms $995 $19.13 $39,800
3 bedrooms $1,303 $25.06 $52,120
4 bedrooms $1,308 $25.15 $52,320

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 La Follette

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). La Follette is in ZIP code 37766.

For 2 bedrooms it is $1,010: $15 more than the fair market rent for Campbell County ($995).

  • 37766 $1,010$1,320

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

HUD lists 4 buildings with rents for lower incomes in La Follette. These are the largest.

  • Lafollette Jacksboro Caryville 105 S Tennessee Ave, La Follette 37766 391 homes, 386 low-income · Run by LaFollette Housing Authority · Average payment: $384 a month · Average wait: 8 months (423) 562-2261
  • Lafollette Estates 123 Brooke Place Ln, La Follette 37766 88 low-income homes · 2 bd: 56 · 3 bd: 32 · In service since 2006 · For people with disabilities, families
  • Lafollette Gardens Apartments 130 Garden Ln, La Follette 37766 50 low-income homes · For older adults (423) 566-7022
  • The Village Apartments 1308 Loop Rd, La Follette 37766 50 low-income homes · For families (423) 562-7368

See all 9 buildings in Campbell County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in La Follette

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 Campbell County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in La Follette

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

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

  • Knoxville Area Urban League

    1514 E 5th Ave, Knoxville · 30 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (865) 524-5511

  • KNOX HOUSING PARTNERSHIP, INCORPORATED dba HOMESOURCE EAST TENNESSEE

    109 Winona St, Knoxville · 30 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (865) 637-1679

  • University of Tennessee Extension Office

    2621 Morgan Cir, Knoxville · 31 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (865) 974-7349

All counseling agencies in Tennessee

Help in Spanish near La Follette

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 La Follette

In HUD’s record, no housing authority with an office in Campbell County is named for La Follette or Campbell County.

2 other authorities have an office in Campbell County: see the list Source: HUD

Cities

Nearby cities

The cities closest to La Follette, with the typical home value.

Everything about Campbell County Housing in Tennessee

Neighboring counties

If Campbell 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 La Follette.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about La Follette

Short answers with the numbers for La Follette and all of Campbell 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 La Follette?

The typical home value in La Follette is $138,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Campbell County it is $186,500.

How much does it cost to rent in La Follette?

Typical rent in La Follette is $696 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Campbell County is $995.

What is the FHA loan limit in La Follette?

La Follette uses the FHA limit for all of Campbell 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 La Follette?

The typical homeowner in La Follette pays $584 a year, according to the U.S. Census Bureau. That is 0.42% of the home’s value; in Campbell County, the rate is 0.37%.

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

We found no HUD-approved counseling agencies with an office in Campbell County; the nearest ones are on this page. 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).