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City · 161,445 residents · Rutherford County, Tennessee

Murfreesboro , Tennessee

In Murfreesboro, a typical home is worth $402,100 and typical rent is $1,481 a month. Compared with all of Rutherford County, typical household income is 6% lower, the typical home value is 5% higher, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $402,100

    5% above the county

    40% above Tennessee

    • Murfreesboro
    • Rutherford
    • Tennessee

  • Typical rent

    $1,481a month

    About the same as the county

    25% above Tennessee

    • Murfreesboro
    • Rutherford
    • Tennessee

  • Typical household income

    $80,108a year

    6% below the county

    15% above Tennessee

    • Murfreesboro
    • Rutherford
    • Tennessee

  • Households that own their home

    52%

    12 points below the county

    15 points below Tennessee

    • Murfreesboro
    • Rutherford
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$424,348
0.5% less than 12 months ago
Typical rent
$1,679 a month
2.1% more than 12 months ago

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

Murfreesboro is in Rutherford 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 Rutherford County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Murfreesboro apart

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

  1. Nearby, in La Vergne, the typical home value is $309,900: 23% less than in Murfreesboro ($402,100).

  2. 52% of households in Murfreesboro own their home, against 65% in Rutherford County.

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

The homes here

Housing in Murfreesboro

What homes there are in Murfreesboro, 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 Murfreesboro (53%), but less so than in Rutherford County (68%).

Year built

By age, homes in Murfreesboro look like those in Rutherford County: the typical year built is 2002.

There are fewer big homes in Murfreesboro than in Rutherford County: 59% have 3 bedrooms or more, against 71%.

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

With an FHA limit of $1,029,250, at least 98% of owner-occupied homes in Murfreesboro sit below it: they are worth less than $1,000,000.

Monthly rent with utilities

By rent, most homes in Murfreesboro cost less than HUD's 2-bedroom fair market rent ($1,798): about 70%.

With a mortgage

$1,907 a month

Rutherford County: $1,745 a month

Without a mortgage

$570 a month

Rutherford County: $499 a month

Owners with a mortgage

72%

Rutherford County: 70%

The typical cost for an owner with a mortgage in Murfreesboro is $1,907 a month, more than in Rutherford County ($1,745); without one, $570.

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

The typical home value in Murfreesboro rose 69% since 2015–2019, less than in Rutherford County (80%).

The typical rent in Murfreesboro rose 41% since 2015–2019, about the same as in Rutherford County (41%).

The typical household income in Murfreesboro rose 29%: less than home values (+69%) 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

MeasureMurfreesboroRutherford CountyTennesseeUnited States
Rental vacancy 7.3%6.5%6.1%5.5%
Homeowner vacancy Unreliable estimate1.0%0.9%0.9%
More than one person per room 2.2%2.8%2.2%3.4%
People per household 2.592.752.452.53
Drive alone 72%73%76%69%
Carpool 10%10%8%9%
Public transit Unreliable estimate0%0%3%
Walk or bike 1%1%1%3%
Work from home 16%15%13%15%
Other means 1%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Murfreesboro, the rental vacancy rate is 7.3%, about the same as in Rutherford County.

In Murfreesboro, 2.2% of households live with more than one person per room, about the same as in Rutherford County.

Households in Murfreesboro are smaller: 2.59 people on average; in Rutherford County, 2.75.

In Murfreesboro, 72% of workers drive alone to work; in Rutherford County, 73%.

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 Murfreesboro?

A typical home costs more than the typical income allows

We start with a typical home in Murfreesboro, worth $402,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Murfreesboro, which is $80,108 a year. For that payment to be 28% of income, a household would need to earn about $137,758 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Murfreesboro. 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 $14,074 (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

$3,214

at 7.18% · 30 years

Loan amount
$394,816
Total interest
$568,048
Paid off in
November 2056

Includes $6,790 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,869 a month

  • Tight

    $1,869 to $2,403 a month

  • Hard

    more than $2,403 a month

    Your payment · 48%

Compared with the typical household income in Murfreesboro ($80,108 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,214
Principal & interest$2,675
Property tax$194
Home insurance$168
FHA mortgage insurance (MIP)$178

You need at least $14,074 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

Murfreesboro and Rutherford County

Murfreesboro is in Rutherford 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).

Murfreesboro's own numbers

Typical home value
$402,100
Typical monthly rent
$1,481
Typical yearly household income
$80,108
Households that own their home
52%
Effective property tax rate
0.58%

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

Numbers for all of Rutherford 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)
+59%
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 Rutherford County.

Everything about Rutherford County

Buying

Buying a home in Murfreesboro

A typical home in Murfreesboro is worth $402,100: 5% above the county and 40% above Tennessee. With the typical household income in Murfreesboro ($80,108 a year), a typical home costs 5.0 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.

  • Murfreesboro 5.0 years
  • Rutherford 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 Rutherford County

According to FHFA’s house price index, home prices in Rutherford County rose 131% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +0.0% +2.4% +2.9%
5 years (2020–2025) +59% +60% +47%
10 years (2015–2025) +131% +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

Murfreesboro next to Rutherford 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
  • Murfreesboro $402,100
  • Rutherford $382,600
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Murfreesboro $1,481
  • Rutherford $1,502
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Murfreesboro $80,108
  • Rutherford $85,470
  • Tennessee $69,595
  • United States $80,734
See the full table
Murfreesboro next to Rutherford County and Tennessee
Measure Murfreesboro Rutherford County Tennessee U.S.
Typical home value $402,100 $382,600 $286,700 $332,700
Typical monthly rent $1,481 $1,502 $1,189 $1,413
Typical yearly household income $80,108 $85,470 $69,595 $80,734
Households that own their home 52% 65% 67% 65%
Typical yearly property tax $2,323 $1,839 $1,442 $3,119
Effective property tax rate 0.58% 0.48% 0.5% 0.94%
Renters with high rent for their income 53% 52% 49% 51%

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

For a typical $402,100 home in Murfreesboro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Murfreesboro's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,214a month

    Least cash to close
    Down payment
    $14,074
    Cash to close
    $26,137
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $178

  • Conventional, 5% down $3,141a month

    Down payment
    $20,105
    Cash to close
    $32,168
    Rate
    7.18%
    Mortgage insurance
    PMI · $191

  • Conventional, 20% down, no PMI $2,541a month

    Down payment
    $80,420
    Cash to close
    $92,483
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,913a month

    Down payment
    $60,315
    Cash to close
    $72,378
    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 Murfreesboro and for Rutherford County.

Property tax

Effective rate in Murfreesboro

0.58%of the home’s value each year

$2,323 a year for the typical owner in Murfreesboro.

  • Murfreesboro 0.58%
  • Rutherford 0.48%
  • 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 Rutherford County

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

Homes in the high-risk zone
2%
2,009
Of those, with NFIP insurance
35%
County Tennessee U.S.
Homes in the high-risk zone 2% 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 Murfreesboro

Typical rent in Murfreesboro is $1,481 a month: about the same as the county. In Murfreesboro, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Rutherford 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 Rutherford 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 Murfreesboro

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Murfreesboro has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,560 in 37130 to $1,910 in 37129.

2 of the 4 are above the fair market rent for Rutherford County ($1,798).

  • 37128 $1,870$2,400
  • 37129 $1,910$2,450
  • 37130 $1,560$2,000
  • 37132 $1,560$2,000

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Murfreesboro 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 Murfreesboro

HUD lists 16 buildings with rents for lower incomes in Murfreesboro. These are the largest.

  • Westbrooks Towers 515 N Walnut St, Murfreesboro 37130 230 low-income homes · 1 bd: 230 · In service since 2020 · For older adults, people with disabilities (615) 890-9862
  • Spring Valley Apartments 1400 Manor Dr, Murfreesboro 37130 176 low-income homes · 1 bd: 32 · 2 bd: 114 · 3 bd: 30 · In service since 2019 · For families (615) 896-9793
  • King's Crossing 1710 E Northfield Blvd, Murfreesboro 37130 144 low-income homes · 1 bd: 8 · 2 bd: 96 · 3 bd: 40 · In service since 1997 · For people with disabilities, families
  • Brookwood Terrace Apts 2743 S Rutherford Blvd, Murfreesboro 37130 122 low-income homes · 1 bd: 24 · 2 bd: 70 · 3 bd: 18 · In service since 2009 · For people with disabilities, families
  • Chaney Way Apartments 250 Joe B Jackson Pkwy, Murfreesboro 37127 114 low-income homes · 1 bd: 12 · 2 bd: 74 · 3 bd: 28 · In service since 2017 · For people with disabilities

See all 25 buildings in Rutherford County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Murfreesboro

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 3 HUD-approved agencies with an office in Rutherford County; 1 says it serves in Spanish.

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 Murfreesboro

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

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

  • Dominion Financial Management

    661 Fitzhugh Blvd, Smyrna · 12 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 6 more
    615-220-5858x111

  • You Can Make It Home Ownership Center, Inc.

    660 Fitzhugh Blvd Ste 105, Smyrna · 12 miles away

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

  • Life of Victory International Christian Ministries

    144 Bain Dr Ste 200, La Vergne · 14 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (615) 213-1468

Every agency in Rutherford County All counseling agencies in Tennessee

Help in Spanish near Murfreesboro

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 Murfreesboro

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

  • Murfreesboro Housing Authority Public housing and Section 8 vouchers (615) 893-9414

All housing agencies in Tennessee Source: HUD

Cities

Other cities in Rutherford County

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

Everything about Rutherford County Housing in Tennessee

Nearby cities

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

Neighboring counties

If Rutherford 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 Murfreesboro.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Murfreesboro

Short answers with the numbers for Murfreesboro and all of Rutherford 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 Murfreesboro?

The typical home value in Murfreesboro is $402,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rutherford County it is $382,600.

How much does it cost to rent in Murfreesboro?

Typical rent in Murfreesboro is $1,481 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rutherford County is $1,798.

What is the FHA loan limit in Murfreesboro?

Murfreesboro uses the FHA limit for all of Rutherford 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 Murfreesboro?

The typical homeowner in Murfreesboro pays $2,323 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Rutherford County, the rate is 0.48%.

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

There are 3 HUD-approved counseling agencies with an office in Rutherford 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).