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City · 12,187 residents · Hamilton County, Tennessee

Middle Valley , Tennessee

In Middle Valley, a typical home is worth $319,400 and typical rent is $1,180 a month. Compared with all of Hamilton County, typical household income is 25% higher, typical rent is 6% lower, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $319,400

    2% above the county

    11% above Tennessee

    • Middle Valley
    • Hamilton
    • Tennessee

  • Typical rent

    $1,180a month

    6% below the county

    About the same as Tennessee

    • Middle Valley
    • Hamilton
    • Tennessee

  • Typical household income

    $95,000a year

    25% above the county

    37% above Tennessee

    • Middle Valley
    • Hamilton
    • Tennessee

  • Households that own their home

    84%

    20 points above the county

    17 points above Tennessee

    • Middle Valley
    • Hamilton
    • Tennessee

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

Middle Valley is in Hamilton 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 Hamilton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Middle Valley apart

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

  1. 84% of households in Middle Valley own their home, against 64% in Hamilton County.

  2. The typical household income in Middle Valley is $95,000, 25% more than in Hamilton County as a whole ($76,183).

  3. Nearby, in Soddy-Daisy, the typical home value is $256,600: 20% less than in Middle Valley ($319,400).

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

The homes here

Housing in Middle Valley

What homes there are in Middle Valley, 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, standing on their own, make up 90% of homes here, against 68% in Hamilton County.

Year built

By age, homes in Middle Valley look like those in Hamilton County: the typical year built is 1980.

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

With a mortgage

$1,448 a month

Hamilton County: $1,608 a month

Without a mortgage

$415 a month

Hamilton County: $520 a month

Owners with a mortgage

66%

Hamilton County: 59%

Owning costs less in Middle Valley: with a mortgage, the typical cost is $1,448 a month; in Hamilton County, $1,608. Without one, $415.

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

Middle Valley does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Hamilton County the typical home value rose 73%.

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

MeasureMiddle ValleyHamilton CountyTennesseeUnited States
Rental vacancy Unreliable estimate4.0%6.1%5.5%
Homeowner vacancy Unreliable estimate1.2%0.9%0.9%
More than one person per room Unreliable estimate1.6%2.2%3.4%
People per household 2.512.382.452.53
Drive alone 77%74%76%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate1%0%3%
Walk or bike Unreliable estimate2%1%3%
Work from home 19%14%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Middle Valley are bigger: 2.51 people on average; in Hamilton County, 2.38.

In Middle Valley, 19% of workers work from home, more than in Hamilton County (14%).

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 Middle Valley?

A typical home is tight for the typical income

We start with a typical home in Middle Valley, worth $319,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Middle Valley, which is $95,000 a year. For that payment to be 28% of income, a household would need to earn about $107,943 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Middle Valley. 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 $11,179 (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

$2,519

at 7.18% · 30 years

Loan amount
$313,615
Total interest
$451,218
Paid off in
November 2056

Includes $5,394 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,217 a month

  • Tight

    $2,217 to $2,850 a month

    Your payment · 32%

  • Hard

    more than $2,850 a month

Compared with the typical household income in Middle Valley ($95,000 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,519
Principal & interest$2,125
Property tax$120
Home insurance$133
FHA mortgage insurance (MIP)$141

You need at least $11,179 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

Middle Valley and Hamilton County

Middle Valley is in Hamilton 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).

Middle Valley's own numbers

Typical home value
$319,400
Typical monthly rent
$1,180
Typical yearly household income
$95,000
Households that own their home
84%
Effective property tax rate
0.45%

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

Numbers for all of Hamilton County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,340
Price change over 5 years (FHFA)
+63%
Homes in a high flood-risk zone
2.9%

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 Hamilton County.

Everything about Hamilton County

Buying

Buying a home in Middle Valley

A typical home in Middle Valley is worth $319,400: 2% above the county and 11% above Tennessee. With the typical household income in Middle Valley ($95,000 a year), a typical home costs 3.4 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.

  • Middle Valley 3.4 years
  • Hamilton 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 Hamilton County

According to FHFA’s house price index, home prices in Hamilton County rose 117% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +1.8% +2.4% +2.9%
5 years (2020–2025) +63% +60% +47%
10 years (2015–2025) +117% +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

Middle Valley next to Hamilton 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
  • Middle Valley $319,400
  • Hamilton $312,800
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Middle Valley $1,180
  • Hamilton $1,253
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Middle Valley $95,000
  • Hamilton $76,183
  • Tennessee $69,595
  • United States $80,734
See the full table
Middle Valley next to Hamilton County and Tennessee
Measure Middle Valley Hamilton County Tennessee U.S.
Typical home value $319,400 $312,800 $286,700 $332,700
Typical monthly rent $1,180 $1,253 $1,189 $1,413
Typical yearly household income $95,000 $76,183 $69,595 $80,734
Households that own their home 84% 64% 67% 65%
Typical yearly property tax $1,447 $1,925 $1,442 $3,119
Effective property tax rate 0.45% 0.62% 0.5% 0.94%

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

For a typical $319,400 home in Middle Valley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Middle Valley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,519a month

    Least cash to close
    Down payment
    $11,179
    Cash to close
    $20,761
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $141

  • Conventional, 5% down $2,460a month

    Down payment
    $15,970
    Cash to close
    $25,552
    Rate
    7.18%
    Mortgage insurance
    PMI · $152

  • Conventional, 20% down, no PMI $1,984a month

    Down payment
    $63,880
    Cash to close
    $73,462
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,279a month

    Down payment
    $47,910
    Cash to close
    $57,492
    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 Middle Valley and for Hamilton County.

Property tax

Effective rate in Middle Valley

0.45%of the home’s value each year

$1,447 a year for the typical owner in Middle Valley.

  • Middle Valley 0.45%
  • Hamilton 0.62%
  • 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 Hamilton County

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

Homes in the high-risk zone
2.9%
3,789
Of those, with NFIP insurance
22%
County Tennessee U.S.
Homes in the high-risk zone 2.9% 1.6% 3.5%
Of those, with NFIP insurance 22% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Middle Valley

Typical rent in Middle Valley is $1,180 a month: 6% below the county.

HUD publishes a fair market rent for all of Hamilton County, by unit size. To pay the 2-bedroom one ($1,340 a month) without spending more than 30% of your income, you would need to earn $25.77 an hour working full time.

HUD fair market rent for all of Hamilton 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 $1,181 $22.71 $47,240
1 bedroom $1,231 $23.67 $49,240
2 bedrooms $1,340 $25.77 $53,600
3 bedrooms $1,657 $31.87 $66,280
4 bedrooms $1,761 $33.87 $70,440

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 Middle Valley

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Middle Valley is in ZIP code 37343.

For 2 bedrooms it is $1,530: $190 more than the fair market rent for Hamilton County ($1,340).

  • 37343 $1,530$1,890

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

Free help

Help to buy or rent in Middle Valley

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 are 2 HUD-approved agencies with an office in Hamilton County; 1 says it serves in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Middle Valley

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

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

  • Chattanooga Neighborhood Enterprise, Inc.

    1500 Chestnut St Ste 102, Chattanooga · 12 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (423) 756-6201

  • CCCS of Rochester-Chattanooga

    5600 Brainerd Rd, Chattanooga · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (423) 490-5620

  • City Fields

    1075 Blythe Ave SE, Cleveland · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (423) 472-9876

Every agency in Hamilton County All counseling agencies in Tennessee

Help in Spanish near Middle Valley

2 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 Middle Valley

In HUD’s record, no housing authority with an office in Hamilton County is named for Middle Valley or Hamilton County.

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

Cities

Other cities in Hamilton County

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

Everything about Hamilton County Housing in Tennessee

Nearby cities

The cities closest to Middle Valley, with the typical home value.

Neighboring counties

If Hamilton 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 Middle Valley.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Middle Valley

Short answers with the numbers for Middle Valley and all of Hamilton 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 Middle Valley?

The typical home value in Middle Valley is $319,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hamilton County it is $312,800.

How much does it cost to rent in Middle Valley?

Typical rent in Middle Valley is $1,180 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hamilton County is $1,340.

What is the FHA loan limit in Middle Valley?

Middle Valley uses the FHA limit for all of Hamilton 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 Middle Valley?

The typical homeowner in Middle Valley pays $1,447 a year, according to the U.S. Census Bureau. That is 0.45% of the home’s value; in Hamilton County, the rate is 0.62%.

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

There are 2 HUD-approved counseling agencies with an office in Hamilton County. 1 says it serves in Spanish. 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).