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City · 6,432 residents · Loudon County, Tennessee

Loudon , Tennessee

In Loudon, a typical home is worth $244,200 and typical rent is $879 a month. Compared with all of Loudon County, typical household income is 36% lower, the typical home value is 30% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $244,200

    30% below the county

    15% below Tennessee

    • Loudon
    • County
    • Tennessee

  • Typical rent

    $879a month

    17% below the county

    26% below Tennessee

    • Loudon
    • County
    • Tennessee

  • Typical household income

    $53,650a year

    36% below the county

    23% below Tennessee

    • Loudon
    • County
    • Tennessee

  • Households that own their home

    64%

    17 points below the county

    3 points below Tennessee

    • Loudon
    • County
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$498,405
about the same as 12 months ago
Typical rent
$2,074 a month

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

Loudon is in Loudon 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 Loudon County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Loudon apart

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

  1. The typical household income in Loudon is $53,650, 36% less than in Loudon County as a whole ($84,185).

  2. 64% of households in Loudon own their home, against 80% in Loudon County.

  3. Nearby, in Sweetwater, the typical rent is $619: 30% less than in Loudon ($879).

  4. Nearby, in Sweetwater, the typical home value is $178,400: 27% less than in Loudon ($244,200).

  5. The typical home in Loudon is worth $244,200, 30% less than in Loudon County as a whole ($348,000).

  6. The typical rent in Loudon is $879 a month, 17% less than in Loudon County as a whole ($1,062).

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

The homes here

Housing in Loudon

What homes there are in Loudon, 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 Loudon (74%), but less so than in Loudon County (82%).

Year built

Homes in Loudon are older: the typical year built is 1974; in Loudon County, 1992.

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

The FHA limit for Loudon County is high ($541,287): at least 88% of owner-occupied homes in Loudon are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,350 a month

Loudon County: $1,525 a month

Without a mortgage

$449 a month

Loudon County: $445 a month

Owners with a mortgage

45%

Loudon County: 55%

The typical cost for an owner with a mortgage in Loudon is $1,350 a month, less than in Loudon County ($1,525); without one, $449.

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

Since 2015–2019, homes in Loudon gained value faster than in Loudon County: 98% against 56%.

Rent in Loudon 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

MeasureLoudonLoudon CountyTennesseeUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate2.5%2.2%3.4%
People per household 2.552.422.452.53
Drive alone 82%80%76%69%
Carpool 9%7%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate12%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.55 on average, against 2.42 in Loudon County.

To get to work, 82% of workers in Loudon drive alone; in Loudon County, 80%.

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 Loudon?

A typical home costs more than the typical income allows

We start with a typical home in Loudon, worth $244,200, 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 Loudon, which is $53,650 a year. For that payment to be 28% of income, a household would need to earn about $82,616 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Loudon. 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 $8,547 (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

$1,928

at 7.18% · 30 years

Loan amount
$239,777
Total interest
$344,983
Paid off in
November 2056

Includes $4,124 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,252 a month

  • Tight

    $1,252 to $1,609 a month

  • Hard

    more than $1,609 a month

    Your payment · 43%

Compared with the typical household income in Loudon ($53,650 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,928
Principal & interest$1,624
Property tax$94
Home insurance$102
FHA mortgage insurance (MIP)$108

You need at least $8,547 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

Loudon and Loudon County

Loudon is in Loudon 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).

Loudon's own numbers

Typical home value
$244,200
Typical monthly rent
$879
Typical yearly household income
$53,650
Households that own their home
64%
Effective property tax rate
0.46%

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

Numbers for all of Loudon County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,475
Price change over 5 years (FHFA)
+77%
Homes in a high flood-risk zone
0.7%

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 Loudon County.

Everything about Loudon County

Buying

Buying a home in Loudon

A typical home in Loudon is worth $244,200: 30% below the county and 15% below Tennessee. With the typical household income in Loudon ($53,650 a year), a typical home costs 4.6 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.

  • Loudon 4.6 years
  • County 4.1 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Loudon County

According to FHFA’s house price index, home prices in Loudon County rose 128% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +1.6% +2.4% +2.9%
5 years (2020–2025) +77% +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

Loudon next to Loudon 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
  • Loudon $244,200
  • County $348,000
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Loudon $879
  • County $1,062
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Loudon $53,650
  • County $84,185
  • Tennessee $69,595
  • United States $80,734
See the full table
Loudon next to Loudon County and Tennessee
Measure Loudon Loudon County Tennessee U.S.
Typical home value $244,200 $348,000 $286,700 $332,700
Typical monthly rent $879 $1,062 $1,189 $1,413
Typical yearly household income $53,650 $84,185 $69,595 $80,734
Households that own their home 64% 80% 67% 65%
Typical yearly property tax $1,130 $1,162 $1,442 $3,119
Effective property tax rate 0.46% 0.33% 0.5% 0.94%
Renters with high rent for their income 35% 43% 49% 51%

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

For a typical $244,200 home in Loudon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Loudon's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,928a month

    Least cash to close
    Down payment
    $8,547
    Cash to close
    $15,873
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $108

  • Conventional, 5% down $1,883a month

    Down payment
    $12,210
    Cash to close
    $19,536
    Rate
    7.18%
    Mortgage insurance
    PMI · $116

  • Conventional, 20% down, no PMI $1,519a month

    Down payment
    $48,840
    Cash to close
    $56,166
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,745a month

    Down payment
    $36,630
    Cash to close
    $43,956
    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 Loudon and for Loudon County.

Property tax

Effective rate in Loudon

0.46%of the home’s value each year

$1,130 a year for the typical owner in Loudon.

  • Loudon 0.46%
  • County 0.33%
  • 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 Loudon County

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

Homes in the high-risk zone
0.7%
161
Of those, with NFIP insurance
13%
County Tennessee U.S.
Homes in the high-risk zone 0.7% 1.6% 3.5%
Of those, with NFIP insurance 13% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Loudon

Typical rent in Loudon is $879 a month: 17% below the county. In Loudon, 35% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Loudon County, by unit size. To pay the 2-bedroom one ($1,475 a month) without spending more than 30% of your income, you would need to earn $28.37 an hour working full time.

HUD fair market rent for all of Loudon 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 $1,171 $22.52 $46,840
1 bedroom $1,178 $22.65 $47,120
2 bedrooms $1,475 $28.37 $59,000
3 bedrooms $1,844 $35.46 $73,760
4 bedrooms $2,122 $40.81 $84,880

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 Loudon

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Loudon is in ZIP code 37774.

For 2 bedrooms it is $1,280: $195 less than the fair market rent for Loudon County ($1,475).

  • 37774 $1,280$1,610

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

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

  • Cherokee Bluff & Timber Ridge 124 Pathkiller Trl, Loudon 37774 121 low-income homes · For families
  • Peaks of Loudon 1085 Carding Machine Rd, Loudon 37774 82 low-income homes · 2 bd: 36 · 3 bd: 46 · In service since 2011 · For people with disabilities, families
  • Loudon Gardens 641 Clyde St, Loudon 37774 50 low-income homes · For older adults (865) 458-3716
  • Loudonview Apts 1519 Grove St, Loudon 37774 24 low-income homes · 2 bd: 24 · In service since 1993
  • ACT III Group Home 1411 Grove St, Loudon 37774 9 homes, 8 low-income · For people with disabilities (865) 458-9695

See all 11 buildings in Loudon County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Loudon

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

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Loudon

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

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

  • University of Tennessee Extension Office

    2621 Morgan Cir, Knoxville · 28 miles away

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

  • 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

  • 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

All counseling agencies in Tennessee

Help in Spanish near Loudon

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 Loudon

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

One other authority has an office in Loudon County: see the list Source: HUD

Cities

Other cities in Loudon County

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

Everything about Loudon County Housing in Tennessee

Nearby cities

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

Neighboring counties

If Loudon 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 Loudon.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Loudon

Short answers with the numbers for Loudon and all of Loudon 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 Loudon?

The typical home value in Loudon is $244,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Loudon County it is $348,000.

How much does it cost to rent in Loudon?

Typical rent in Loudon is $879 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Loudon County is $1,475.

What is the FHA loan limit in Loudon?

Loudon uses the FHA limit for all of Loudon 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 Loudon?

The typical homeowner in Loudon pays $1,130 a year, according to the U.S. Census Bureau. That is 0.46% of the home’s value; in Loudon County, the rate is 0.33%.

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

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