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City · 5,836 residents · Sumner County, Tennessee

Millersville , Tennessee

In Millersville, a typical home is worth $309,900 and typical rent is $1,475 a month. Compared with all of Sumner County, the typical home value is 21% lower, typical household income is 21% lower, and the share of households that own their home is 5 points lower.

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  • Typical home value

    $309,900

    21% below the county

    8% above Tennessee

    • Millersville
    • Sumner
    • Tennessee

  • Typical rent

    $1,475a month

    4% above the county

    24% above Tennessee

    • Millersville
    • Sumner
    • Tennessee

  • Typical household income

    $71,789a year

    21% below the county

    3% above Tennessee

    • Millersville
    • Sumner
    • Tennessee

  • Households that own their home

    67%

    5 points below the county

    About the same as Tennessee

    • Millersville
    • Sumner
    • Tennessee

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

Millersville is in Sumner 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 Sumner County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Millersville apart

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

  1. Nearby, in Springfield, the typical rent is $1,139: 23% less than in Millersville ($1,475).

  2. Nearby, in Springfield, the typical home value is $253,600: 18% less than in Millersville ($309,900).

  3. The typical home in Millersville is worth $309,900, 21% less than in Sumner County as a whole ($393,100).

  4. The typical household income in Millersville is $71,789, 21% less than in Sumner County as a whole ($90,301).

  5. 67% of households in Millersville own their home, against 72% in Sumner County.

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

The homes here

Housing in Millersville

What homes there are in Millersville, 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

As in Sumner County, most homes in Millersville are detached houses (71%).

In Millersville there are many mobile homes: 21% of homes; in Sumner County, 5%.

Year built

By age, homes in Millersville look like those in Sumner County: the typical year built is 1993.

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

$1,631 a month

Sumner County: $1,831 a month

Without a mortgage

$517 a month

Sumner County: $560 a month

Owners with a mortgage

69%

Sumner County: 67%

The typical cost for an owner with a mortgage in Millersville is $1,631 a month, less than in Sumner County ($1,831); without one, $517.

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

From 2015–2019 to 2020–2024, home values in Millersville rose at about the same pace as in Sumner County: 66% against 68%.

The typical rent in Millersville rose 57% over the same time; in Sumner County, it rose 39%.

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

MeasureMillersvilleSumner CountyTennesseeUnited States
Rental vacancy Unreliable estimate5.6%6.1%5.5%
Homeowner vacancy Unreliable estimate1.3%0.9%0.9%
More than one person per room Unreliable estimate1.9%2.2%3.4%
People per household 2.462.582.452.53
Drive alone 71%74%76%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 18%16%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Millersville look like those in Sumner County: 2.46 people on average.

In Millersville, 71% of workers drive alone to work; in Sumner County, 74%.

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 Millersville?

A typical home costs more than the typical income allows

We start with a typical home in Millersville, worth $309,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Millersville, which is $71,789 a year. For that payment to be 28% of income, a household would need to earn about $106,614 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Millersville. 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 $10,847 (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

$2,488

at 7.18% · 30 years

Loan amount
$304,286
Total interest
$437,797
Paid off in
November 2056

Includes $5,233 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,675 a month

  • Tight

    $1,675 to $2,154 a month

  • Hard

    more than $2,154 a month

    Your payment · 42%

Compared with the typical household income in Millersville ($71,789 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,488
Principal & interest$2,061
Property tax$160
Home insurance$129
FHA mortgage insurance (MIP)$137

You need at least $10,847 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

Millersville and Sumner County

Millersville is in Sumner 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).

Millersville's own numbers

Typical home value
$309,900
Typical monthly rent
$1,475
Typical yearly household income
$71,789
Households that own their home
67%
Effective property tax rate
0.62%

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

Numbers for all of Sumner 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)
+60%
Homes in a high flood-risk zone
1.3%

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 Sumner County.

Everything about Sumner County

Buying

Buying a home in Millersville

A typical home in Millersville is worth $309,900: 21% below the county and 8% above Tennessee. With the typical household income in Millersville ($71,789 a year), a typical home costs 4.3 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.

  • Millersville 4.3 years
  • Sumner 4.4 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sumner County

According to FHFA’s house price index, home prices in Sumner County rose 125% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +1.8% +2.4% +2.9%
5 years (2020–2025) +60% +60% +47%
10 years (2015–2025) +125% +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

Millersville next to Sumner 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
  • Millersville $309,900
  • Sumner $393,100
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Millersville $1,475
  • Sumner $1,424
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Millersville $71,789
  • Sumner $90,301
  • Tennessee $69,595
  • United States $80,734
See the full table
Millersville next to Sumner County and Tennessee
Measure Millersville Sumner County Tennessee U.S.
Typical home value $309,900 $393,100 $286,700 $332,700
Typical monthly rent $1,475 $1,424 $1,189 $1,413
Typical yearly household income $71,789 $90,301 $69,595 $80,734
Households that own their home 67% 72% 67% 65%
Typical yearly property tax $1,912 $1,987 $1,442 $3,119
Effective property tax rate 0.62% 0.51% 0.5% 0.94%
Renters with high rent for their income 55% 49% 49% 51%

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

For a typical $309,900 home in Millersville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Millersville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,488a month

    Least cash to close
    Down payment
    $10,847
    Cash to close
    $20,144
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $137

  • Conventional, 5% down $2,431a month

    Down payment
    $15,495
    Cash to close
    $24,792
    Rate
    7.18%
    Mortgage insurance
    PMI · $147

  • Conventional, 20% down, no PMI $1,969a month

    Down payment
    $61,980
    Cash to close
    $71,277
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,255a month

    Down payment
    $46,485
    Cash to close
    $55,782
    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 Millersville and for Sumner County.

Property tax

Effective rate in Millersville

0.62%of the home’s value each year

$1,912 a year for the typical owner in Millersville.

  • Millersville 0.62%
  • Sumner 0.51%
  • 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 Sumner County

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

Homes in the high-risk zone
1.3%
827
Of those, with NFIP insurance
35%
County Tennessee U.S.
Homes in the high-risk zone 1.3% 1.6% 3.5%
Of those, with NFIP insurance 35% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Millersville

Typical rent in Millersville is $1,475 a month: 4% above the county. In Millersville, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sumner 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 Sumner 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 Millersville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Millersville is in ZIP code 37072.

For 2 bedrooms it is $1,660: $138 less than the fair market rent for Sumner County ($1,798).

  • 37072 $1,660$2,130

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

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 is 1 HUD-approved agency with an office in Sumner County; none says it serves in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Millersville

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

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

  • William Franklin Buchanan CDC

    4121 Clarksville Pike, Nashville · 14 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (615) 669-2454

  • Affordable Housing Resources of Nashville, Inc

    1 Vantage Way Ste C130, Nashville · 15 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (615) 251-0025

  • Aaa Residential Resources, Inc.

    604 Gallatin Ave Ste 103, Nashville · 15 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (615) 650-9779

Every agency in Sumner County All counseling agencies in Tennessee

Help in Spanish near Millersville

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 Millersville

In HUD’s record, no housing authority with an office in Sumner County is named for Millersville or Sumner County.

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

Cities

Other cities in Sumner County

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

Everything about Sumner County Housing in Tennessee

Nearby cities

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

Neighboring counties

If Sumner 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 Millersville.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Millersville

Short answers with the numbers for Millersville and all of Sumner 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 Millersville?

The typical home value in Millersville is $309,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sumner County it is $393,100.

How much does it cost to rent in Millersville?

Typical rent in Millersville is $1,475 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sumner County is $1,798.

What is the FHA loan limit in Millersville?

Millersville uses the FHA limit for all of Sumner 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 Millersville?

The typical homeowner in Millersville pays $1,912 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Sumner County, the rate is 0.51%.

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

There is 1 HUD-approved counseling agency with an office in Sumner County. 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).