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City · 44,788 residents · Wilson County, Tennessee

Lebanon , Tennessee

In Lebanon, a typical home is worth $378,400 and typical rent is $1,306 a month. Compared with all of Wilson County, typical household income is 24% lower, typical rent is 12% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $378,400

    12% below the county

    32% above Tennessee

    • Lebanon
    • Wilson
    • Tennessee

  • Typical rent

    $1,306a month

    12% below the county

    10% above Tennessee

    • Lebanon
    • Wilson
    • Tennessee

  • Typical household income

    $72,848a year

    24% below the county

    5% above Tennessee

    • Lebanon
    • Wilson
    • Tennessee

  • Households that own their home

    62%

    15 points below the county

    5 points below Tennessee

    • Lebanon
    • Wilson
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$441,712
1.2% more than 12 months ago
Typical rent
$1,613 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).

Lebanon is in Wilson 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 Wilson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lebanon apart

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

  1. 62% of households in Lebanon own their home, against 77% in Wilson County.

  2. The typical household income in Lebanon is $72,848, 24% less than in Wilson County as a whole ($95,839).

  3. Nearby, in La Vergne, the typical home value is $309,900: 18% less than in Lebanon ($378,400).

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

The homes here

Housing in Lebanon

What homes there are in Lebanon, 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

In Lebanon, 6 in 10 homes are single-family detached houses; in Wilson County, 8.

Year built

Here half of the homes date from 2004 or later; in Wilson County, from 2000 or later.

There are fewer big homes in Lebanon than in Wilson County: 65% have 3 bedrooms or more, against 78%.

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 98% of owner-occupied homes in Lebanon sit below it: they are worth less than $1,000,000.

Monthly rent with utilities

About 82% of rented homes in Lebanon cost less than HUD's 2-bedroom fair market rent for Wilson County ($1,798).

With a mortgage

$1,837 a month

Wilson County: $1,971 a month

Without a mortgage

$521 a month

Wilson County: $509 a month

Owners with a mortgage

66%

Wilson County: 67%

The typical cost for an owner with a mortgage in Lebanon is $1,837 a month, less than in Wilson County ($1,971); without one, $521.

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 Lebanon rose 69% since 2015–2019, more than in Wilson County (62%).

Since 2015–2019, the typical rent in Lebanon rose 44%, more than in Wilson County (40%).

Here income did not keep up with housing: it rose 34%, while home values changed +69% and rent +44%.

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

MeasureLebanonWilson CountyTennesseeUnited States
Rental vacancy Unreliable estimate5.6%6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room 2.2%1.4%2.2%3.4%
People per household 2.502.662.452.53
Drive alone 75%74%76%69%
Carpool 9%7%8%9%
Public transit Unreliable estimate0%0%3%
Walk or bike Unreliable estimate0%1%3%
Work from home 13%17%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Wilson County, 2.2% of households in Lebanon have more than one person per room.

On average, a household in Lebanon has 2.50 people, fewer than in Wilson County (2.66).

The car rules in Lebanon: 75% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Lebanon?

A typical home costs more than the typical income allows

We start with a typical home in Lebanon, worth $378,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Lebanon, which is $72,848 a year. For that payment to be 28% of income, a household would need to earn about $128,558 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lebanon. 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 $13,244 (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

$3,000

at 7.18% · 30 years

Loan amount
$371,546
Total interest
$534,568
Paid off in
November 2056

Includes $6,390 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,700 a month

  • Tight

    $1,700 to $2,185 a month

  • Hard

    more than $2,185 a month

    Your payment · 49%

Compared with the typical household income in Lebanon ($72,848 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,000
Principal & interest$2,517
Property tax$158
Home insurance$158
FHA mortgage insurance (MIP)$167

You need at least $13,244 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

Lebanon and Wilson County

Lebanon is in Wilson 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).

Lebanon's own numbers

Typical home value
$378,400
Typical monthly rent
$1,306
Typical yearly household income
$72,848
Households that own their home
62%
Effective property tax rate
0.5%

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

Numbers for all of Wilson 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)
+57%
Homes in a high flood-risk zone
2%

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 Wilson County.

Everything about Wilson County

Buying

Buying a home in Lebanon

A typical home in Lebanon is worth $378,400: 12% below the county and 32% above Tennessee. With the typical household income in Lebanon ($72,848 a year), a typical home costs 5.2 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.

  • Lebanon 5.2 years
  • Wilson 4.5 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Wilson County

According to FHFA’s house price index, home prices in Wilson County rose 118% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +2.0% +2.4% +2.9%
5 years (2020–2025) +57% +60% +47%
10 years (2015–2025) +118% +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

Lebanon next to Wilson 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
  • Lebanon $378,400
  • Wilson $428,000
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Lebanon $1,306
  • Wilson $1,486
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Lebanon $72,848
  • Wilson $95,839
  • Tennessee $69,595
  • United States $80,734
See the full table
Lebanon next to Wilson County and Tennessee
Measure Lebanon Wilson County Tennessee U.S.
Typical home value $378,400 $428,000 $286,700 $332,700
Typical monthly rent $1,306 $1,486 $1,189 $1,413
Typical yearly household income $72,848 $95,839 $69,595 $80,734
Households that own their home 62% 77% 67% 65%
Typical yearly property tax $1,899 $1,787 $1,442 $3,119
Effective property tax rate 0.5% 0.42% 0.5% 0.94%
Renters with high rent for their income 45% 49% 49% 51%

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

For a typical $378,400 home in Lebanon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lebanon's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,000a month

    Least cash to close
    Down payment
    $13,244
    Cash to close
    $24,596
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $167

  • Conventional, 5% down $2,930a month

    Down payment
    $18,920
    Cash to close
    $30,272
    Rate
    7.18%
    Mortgage insurance
    PMI · $180

  • Conventional, 20% down, no PMI $2,366a month

    Down payment
    $75,680
    Cash to close
    $87,032
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,716a month

    Down payment
    $56,760
    Cash to close
    $68,112
    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 Lebanon and for Wilson County.

Property tax

Effective rate in Lebanon

0.5%of the home’s value each year

$1,899 a year for the typical owner in Lebanon.

  • Lebanon 0.5%
  • Wilson 0.42%
  • 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 Wilson County

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

Homes in the high-risk zone
2%
1,029
Of those, with NFIP insurance
36%
County Tennessee U.S.
Homes in the high-risk zone 2% 1.6% 3.5%
Of those, with NFIP insurance 36% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lebanon

Typical rent in Lebanon is $1,306 a month: 12% below the county. In Lebanon, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Wilson 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 Wilson 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 Lebanon

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

For 2 bedrooms it runs from $1,400 in 37087 to $1,700 in 37090.

None is above the fair market rent for Wilson County ($1,798).

  • 37087 $1,400$1,800
  • 37090 $1,700$2,180

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

HUD lists 15 buildings with rents for lower incomes in Lebanon. These are the largest.

  • Upton Heights 101 Inman Ct, Lebanon 37087 327 low-income homes · Run by Lebanon Housing Authority · Average payment: $475 a month · Average wait: 11 months (615) 444-1872
  • Rollingwood Apts 300 Hillcreek Dr, Lebanon 37087 154 low-income homes · 2 bd: 122 · 3 bd: 32 · In service since 1997 · For people with disabilities, families
  • Greentree Pointe 1640 W Main St, Lebanon 37087 130 low-income homes · 1 bd: 12 · 2 bd: 40 · 3 bd: 78 · In service since 1997 · For families
  • Peyton Park Apts 160 Peyton Rd, Lebanon 37087 120 low-income homes · 2 bd: 96 · 3 bd: 24 · In service since 2005 · For families
  • The Ridge at Lebanon W. Baddour Parkway & 502 Fairview Ave., Lebanon 37087 96 low-income homes · 1 bd: 28 · 2 bd: 36 · 3 bd: 32 · In service since 2017 · For people with disabilities

See all 17 buildings in Wilson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lebanon

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

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Lebanon

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

The HUD-approved agencies closest to the center of Lebanon, 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 · 14 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (615) 230-5906

  • You Can Make It Home Ownership Center, Inc.

    660 Fitzhugh Blvd Ste 105, Smyrna · 16 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (615) 355-0005

  • Dominion Financial Management

    661 Fitzhugh Blvd, Smyrna · 16 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 6 more
    615-220-5858x111

All counseling agencies in Tennessee

Help in Spanish near Lebanon

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 Lebanon

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

All housing agencies in Tennessee Source: HUD

Cities

Other cities in Wilson County

These cities are also in Wilson County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Wilson County Housing in Tennessee

Nearby cities

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

Neighboring counties

If Wilson 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 Lebanon.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Lebanon

Short answers with the numbers for Lebanon and all of Wilson 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 Lebanon?

The typical home value in Lebanon is $378,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wilson County it is $428,000.

How much does it cost to rent in Lebanon?

Typical rent in Lebanon is $1,306 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wilson County is $1,798.

What is the FHA loan limit in Lebanon?

Lebanon uses the FHA limit for all of Wilson 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 Lebanon?

The typical homeowner in Lebanon pays $1,899 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Wilson County, the rate is 0.42%.

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

We found no HUD-approved counseling agencies with an office in Wilson 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).