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City · 42,073 residents · Wilson County, Tennessee

Mount Juliet , Tennessee

In Mount Juliet, a typical home is worth $460,100 and typical rent is $2,011 a month. Compared with all of Wilson County, typical rent is 35% higher and typical household income is 12% higher.

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  • Typical home value

    $460,100

    8% above the county

    60% above Tennessee

    • Mount Juliet
    • Wilson
    • Tennessee

  • Typical rent

    $2,011a month

    35% above the county

    69% above Tennessee

    • Mount Juliet
    • Wilson
    • Tennessee

  • Typical household income

    $107,068a year

    12% above the county

    54% above Tennessee

    • Mount Juliet
    • Wilson
    • Tennessee

  • Households that own their home

    72%

    5 points below the county

    5 points above Tennessee

    • Mount Juliet
    • Wilson
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$556,817
0.6% more than 12 months ago
Typical rent
$2,124 a month
2.6% more than 12 months ago

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

Mount Juliet 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 Mount Juliet apart

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

  1. Mount Juliet has the 5th highest typical rent of the 109 cities in Tennessee with more than 5,000 people ($2,011).

  2. Nearby, in Green Hill, the typical rent is $1,296: 36% less than in Mount Juliet ($2,011).

  3. Nearby, in La Vergne, the typical home value is $309,900: 33% less than in Mount Juliet ($460,100).

  4. Mount Juliet has the 11th highest typical home value of the 113 cities in Tennessee with more than 5,000 people ($460,100).

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

The homes here

Housing in Mount Juliet

What homes there are in Mount Juliet, 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

The detached house is the most common home in Mount Juliet: 74% of homes, near the figure in Wilson County (76%).

Year built

Homes in Mount Juliet are newer: the typical year built is 2006; in Wilson County, 2000.

In Mount Juliet, 78% of homes have 3 bedrooms or more, about the same as in Wilson County.

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

$2,047 a month

Wilson County: $1,971 a month

Without a mortgage

$517 a month

Wilson County: $509 a month

Owners with a mortgage

74%

Wilson County: 67%

Owning costs about the same in Mount Juliet as in Wilson County: with a mortgage, $2,047 a month; 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

Since 2015–2019, homes in Mount Juliet gained value faster than in Wilson County: 67% against 62%.

The typical rent in Mount Juliet rose 41% since 2015–2019, about the same as in Wilson County (40%).

Here income did not keep up with housing: it rose 17%, while home values changed +67% and rent +41%.

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

MeasureMount JulietWilson 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 Unreliable estimate1.4%2.2%3.4%
People per household 2.632.662.452.53
Drive alone 69%74%76%69%
Carpool 7%7%8%9%
Public transit Unreliable estimate0%0%3%
Walk or bike Unreliable estimate0%1%3%
Work from home 22%17%13%15%
Other means 2%1%1%2%
Typical commute 30 to 39 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Wilson County, a household in Mount Juliet has 2.63 people on average.

Working from home is more common in Mount Juliet: 22%, against 17% in Wilson County.

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 Mount Juliet?

A typical home costs more than the typical income allows

We start with a typical home in Mount Juliet, worth $460,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Mount Juliet, which is $107,068 a year. For that payment to be 28% of income, a household would need to earn about $154,671 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 Mount Juliet. 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 $16,104 (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

$3,609

at 7.18% · 30 years

Loan amount
$451,766
Total interest
$649,985
Paid off in
November 2056

Includes $7,770 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,498 a month

  • Tight

    $2,498 to $3,212 a month

  • Hard

    more than $3,212 a month

    Your payment · 40%

Compared with the typical household income in Mount Juliet ($107,068 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,609
Principal & interest$3,060
Property tax$153
Home insurance$192
FHA mortgage insurance (MIP)$203

You need at least $16,104 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

Mount Juliet and Wilson County

Mount Juliet 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).

Mount Juliet's own numbers

Typical home value
$460,100
Typical monthly rent
$2,011
Typical yearly household income
$107,068
Households that own their home
72%
Effective property tax rate
0.4%

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 Mount Juliet

A typical home in Mount Juliet is worth $460,100: 8% above the county and 60% above Tennessee. With the typical household income in Mount Juliet ($107,068 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.

  • Mount Juliet 4.3 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

Mount Juliet 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
  • Mount Juliet $460,100
  • Wilson $428,000
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Mount Juliet $2,011
  • Wilson $1,486
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Mount Juliet $107,068
  • Wilson $95,839
  • Tennessee $69,595
  • United States $80,734
See the full table
Mount Juliet next to Wilson County and Tennessee
Measure Mount Juliet Wilson County Tennessee U.S.
Typical home value $460,100 $428,000 $286,700 $332,700
Typical monthly rent $2,011 $1,486 $1,189 $1,413
Typical yearly household income $107,068 $95,839 $69,595 $80,734
Households that own their home 72% 77% 67% 65%
Typical yearly property tax $1,849 $1,787 $1,442 $3,119
Effective property tax rate 0.4% 0.42% 0.5% 0.94%
Renters with high rent for their income 52% 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 Mount Juliet

For a typical $460,100 home in Mount Juliet, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mount Juliet's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,609a month

    Least cash to close
    Down payment
    $16,104
    Cash to close
    $29,907
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $203

  • Conventional, 5% down $3,525a month

    Down payment
    $23,005
    Cash to close
    $36,808
    Rate
    7.18%
    Mortgage insurance
    PMI · $219

  • Conventional, 20% down, no PMI $2,839a month

    Down payment
    $92,020
    Cash to close
    $105,823
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,264a month

    Down payment
    $69,015
    Cash to close
    $82,818
    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 Mount Juliet and for Wilson County.

Property tax

Effective rate in Mount Juliet

0.4%of the home’s value each year

$1,849 a year for the typical owner in Mount Juliet.

  • Mount Juliet 0.4%
  • 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 Mount Juliet

Typical rent in Mount Juliet is $2,011 a month: 35% above the county. In Mount Juliet, 52% 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 Mount Juliet

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mount Juliet is in ZIP code 37122.

For 2 bedrooms it is $2,280: $482 more than the fair market rent for Wilson County ($1,798).

  • 37122 $2,280$2,930

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

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 smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Mount Juliet

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

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

  • Woodbine Community Organization

    643 Spence Ln, Nashville · 13 miles away

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (615) 850-3447

  • You Can Make It Home Ownership Center, Inc.

    660 Fitzhugh Blvd Ste 105, Smyrna · 13 miles away

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

  • Dominion Financial Management

    661 Fitzhugh Blvd, Smyrna · 13 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 Mount Juliet

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 Mount Juliet

In HUD’s record, no housing authority with an office in Wilson County is named for Mount Juliet or Wilson County.

One other authority has an office in Wilson County: see the list 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 Mount Juliet, 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 Mount Juliet.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Mount Juliet

Short answers with the numbers for Mount Juliet 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 Mount Juliet?

The typical home value in Mount Juliet is $460,100, 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 Mount Juliet?

Typical rent in Mount Juliet is $2,011 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 Mount Juliet?

Mount Juliet 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 Mount Juliet?

The typical homeowner in Mount Juliet pays $1,849 a year, according to the U.S. Census Bureau. That is 0.4% of the home’s value; in Wilson County, the rate is 0.42%.

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

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).