City · 5,472 residents · Hawkins County, Tennessee
Mount Carmel, Tennessee
In Mount Carmel, a typical home is worth $179,600. Compared with all of Hawkins County, typical household income is 21% higher and the share of households that own their home is 11 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $176,467 to $263,570.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Mount Carmel is in Hawkins 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 Hawkins County. See the county
What this place has that others do not, from public data, most unusual first.
1
Mount Carmel has the 3rd highest homeownership rate of the 113 cities in Tennessee with more than 5,000 people (91%).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Mount Carmel rose 7.1%; in Tennessee, it rose 0.6%.
3
The typical household income in Mount Carmel is $68,866,21% more than in Hawkins County as a whole ($56,936).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Mount Carmel
What homes there are in Mount Carmel, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Mount Carmel
Hawkins County
Tennessee
United States
Kind of home: Mount Carmel and its comparisons
Measure
Mount Carmel
Hawkins County
Tennessee
United States
Detached house
92%
68%
68%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
Unreliable estimate
4%
6%
8%
Apartments (5 or more)
Unreliable estimate
6%
14%
19%
Mobile home
Unreliable estimate
21%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 92% of homes here, against 68% in Hawkins County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Mount Carmel
Hawkins County
Tennessee
United States
Year built: Mount Carmel and its comparisons
Measure
Mount Carmel
Hawkins County
Tennessee
United States
Before 1960
24%
18%
18%
26%
1960–1979
30%
23%
23%
24%
1980–1999
29%
36%
29%
25%
2000–2009
12%
15%
16%
14%
2010 or later
Unreliable estimate
8%
15%
11%
Homes in Mount Carmel are older: the typical year built is 1978; in Hawkins County, 1986.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K22%
$100K–$200K39%
$200K–$300K25%
$300K–$500K10%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Mount Carmel and its comparisons
Measure
Mount Carmel
Under $100K
22%
$100K–$200K
39%
$200K–$300K
25%
$300K–$500K
10%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
At least 95% of owner-occupied homes in Mount Carmel are worth less than $500,000, below the FHA loan limit for Hawkins County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Mount Carmel and its comparisons
Measure
Mount Carmel
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,095 a month
Hawkins County: $1,136 a month
Without a mortgage
$451 a month
Hawkins County: $373 a month
Owners with a mortgage
61%
Hawkins County: 47%
Owning costs about the same in Mount Carmel as in Hawkins County: with a mortgage, $1,095 a month; without one, $451.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Mount Carmel+19%
Hawkins County+42%
Tennessee+72%
United States+53%
Typical rent
Mount CarmelUnreliable
Hawkins County+23%
Tennessee+37%
United States+33%
Typical household income
Mount Carmel+29%
Hawkins County+36%
Tennessee+31%
United States+29%
Change since 2015–2019: Mount Carmel and its comparisons
Measure
Mount Carmel
Hawkins County
Tennessee
United States
Typical home value
+19%
+42%
+72%
+53%
Typical rent
Unreliable estimate
+23%
+37%
+33%
Typical household income
+29%
+36%
+31%
+29%
From 2015–2019 to 2020–2024, the typical home value in Mount Carmel rose 19%; in Hawkins County, it rose 42%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Mount Carmel and its comparisons
Measure
Mount Carmel
Hawkins County
Tennessee
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.1%
5.5%
Homeowner vacancy
Unreliable estimate
1.7%
0.9%
0.9%
More than one person per room
Unreliable estimate
1.8%
2.2%
3.4%
People per household
2.67
2.44
2.45
2.53
Drive alone
73%
80%
76%
69%
Carpool
Unreliable estimate
5%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
2%
1%
3%
Work from home
Unreliable estimate
11%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Mount Carmel are bigger: 2.67 people on average; in Hawkins County, 2.44.
To get to work, 73% of workers in Mount Carmel drive alone; in Hawkins County, 80%.
Do the math
What would you pay each month for a home in Mount Carmel?
A typical home is within reach of the typical income
We start with a typical home in Mount Carmel, worth $179,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Mount Carmel, which is $68,866 a year.
The calculator's FHA and conventional loan limits are those of all of Hawkins County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Mount Carmel. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,286 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,454
at 7.18% · 30 years
Loan amount
$176,347
Total interest
$253,722
Paid off in
November 2056
Includes $3,033 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,607 a month
Your payment · 25%
Tight
$1,607 to $2,066 a month
Hard
more than $2,066 a month
Compared with the typical household income in Mount Carmel ($68,866 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,195
Property tax
$105
Home insurance
$75
FHA mortgage insurance (MIP)
$79
You need at least $6,286 for the down payment, plus closing costs.
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.
Total monthly payment $1,454; principal and interest $1,195.
The city and its county
Mount Carmel and Hawkins County
Mount Carmel is in Hawkins 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).
Mount Carmel
Map of Hawkins County, Tennessee, with Mount Carmel marked. Around it, the neighboring counties.
Mount Carmel
Hawkins County
Other cities with a page
Mount Carmel's own numbers
Typical home value
$179,600
Typical yearly household income
$68,866
Households that own their home
91%
Effective property tax rate
0.7%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hawkins County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,091
Price change over 5 years (FHFA)
+74%
Homes in a high flood-risk zone
0.6%
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 Hawkins County.
A typical home in Mount Carmel is worth $179,600: about the same as the county and 37% below Tennessee. With the typical household income in Mount Carmel ($68,866 a year), a typical home costs 2.6 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.
Mount Carmel2.6 years
Hawkins3.1 years
Tennessee4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hawkins County
According to FHFA’s house price index, home prices in Hawkins County rose 110% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hawkins County.
Yearly change in FHFA’s price index in Hawkins County, 2016 to 2025
2016: +3.4% +3.4% 2016
2017: +0.2% +0.2% 2017
2018: +7.7% +7.7% 2018
2019: +1.7% +1.7% 2019
2020: +6.4% +6.4% 2020
2021: +12.9% +12.9% 2021
2022: +26.0% +26.0% 2022
2023: +9.1% +9.1% 2023
2024: +7.7% +7.7% 2024
2025: +3.9% +3.9% 2025
Change in FHFA’s price index in Hawkins County, Tennessee and the United States
Period
County
Tennessee
U.S.
Last year (2025)
+3.9%
+2.4%
+2.9%
5 years (2020–2025)
+74%
+60%
+47%
10 years (2015–2025)
+110%
+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
Mount Carmel next to Hawkins 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
Mount Carmel$179,600
Hawkins$176,300
Tennessee$286,700
United States$332,700
Typical yearly household income
Mount Carmel$68,866
Hawkins$56,936
Tennessee$69,595
United States$80,734
See the full table
Mount Carmel next to Hawkins County and Tennessee
Measure
Mount Carmel
Hawkins County
Tennessee
U.S.
Typical home value
$179,600
$176,300
$286,700
$332,700
Typical yearly household income
$68,866 ▲21% above the county
$56,936
$69,595
$80,734
Households that own their home
91% ▲11 points above the county
80%
67%
65%
Typical yearly property tax
$1,265 ▲32% above the county
$956
$1,442
$3,119
Effective property tax rate
0.7% ▲0.16 points above the county
0.54%
0.5%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hawkins 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 Mount Carmel
For a typical $179,600 home in Mount Carmel, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mount Carmel's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,454a month
Least cash to close
Down payment
$6,286
Cash to close
$11,674
Rate
7.18%
Mortgage insurance
FHA MIP · $79
Conventional, 5% down$1,421a month
Down payment
$8,980
Cash to close
$14,368
Rate
7.18%
Mortgage insurance
PMI · $85
Conventional, 20% down, no PMI$1,153a month
Down payment
$35,920
Cash to close
$41,308
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,319a month
Down payment
$26,940
Cash to close
$32,328
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Mount Carmel
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,454
$6,286
$176,347
7.18%
FHA MIP · $79
$11,674
580
Conventional, 5% down
$1,421
$8,980
$170,620
7.18%
PMI · $85
$14,368
620*
Conventional, 20% down, no PMI
$1,153
$35,920
$143,680
7.18%
None
$41,308
620*
ITIN, 15% down (example)
$1,319
$26,940
$152,660
8.18%
None
$32,328
Set by the lender
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.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Mount Carmel and for Hawkins County.
Property tax
Effective rate in Mount Carmel
0.7%of the home’s value each year
$1,265 a year for the typical owner in Mount Carmel.
Mount Carmel0.7%
Hawkins0.54%
Tennessee0.5%
What Tennessee publishesProperty tax relief for older, disabled and disabled-veteran homeowners (Tennessee Comptroller of the Treasury, 2026 Property Tax Relief Program brochure)
The Census Bureau publishes no typical rent for Mount Carmel. Below are the fair market rents for Hawkins County.
HUD publishes a fair market rent for all of Hawkins County, by unit size. To pay the 2-bedroom one ($1,091 a month) without spending more than 30% of your income, you would need to earn $20.98 an hour working full time.
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 Hawkins County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Mount Carmel or Hawkins County. The ones below are statewide in Tennessee: they work in Mount Carmel the same as in the rest of the state.
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).
The HUD-approved agencies closest to the center of Mount Carmel, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Mount Carmel or Hawkins County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Mount Carmel and all of Hawkins 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 Mount Carmel?
The typical home value in Mount Carmel is $179,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hawkins County it is $176,300.
What is the FHA loan limit in Mount Carmel?
Mount Carmel uses the FHA limit for all of Hawkins 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 Mount Carmel?
The typical homeowner in Mount Carmel pays $1,265 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Hawkins County, the rate is 0.54%.
Where can I find free help to buy or rent in Mount Carmel?
We found no HUD-approved counseling agencies with an office in Hawkins County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
