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City · 690,130 residents · Davidson County, Tennessee

Nashville-Davidson , Tennessee

In Nashville-Davidson, a typical home is worth $413,600 and typical rent is $1,586 a month. Home values, rent and income are very close to those of all of Davidson County.

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  • Typical home value

    $413,600

    About the same as the county

    44% above Tennessee

    • Nashville-Davidson
    • Davidson
    • Tennessee

  • Typical rent

    $1,586a month

    About the same as the county

    33% above Tennessee

    • Nashville-Davidson
    • Davidson
    • Tennessee

  • Typical household income

    $77,371a year

    About the same as the county

    11% above Tennessee

    • Nashville-Davidson
    • Davidson
    • Tennessee

  • Households that own their home

    52%

    About the same as the county

    15 points below Tennessee

    • Nashville-Davidson
    • Davidson
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$425,889
2.5% less than 12 months ago
Typical rent
$1,820 a month
0.9% more than 12 months ago

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

Nashville-Davidson is in Davidson 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 Davidson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Nashville-Davidson apart

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

  1. Nearby, in Ashland City, the typical home value is $294,100: 29% less than in Nashville-Davidson ($413,600).

  2. Nearby, in Green Hill, the typical rent is $1,296: 18% less than in Nashville-Davidson ($1,586).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Nashville-Davidson fell 2.5%; in Tennessee, it rose 0.6%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Nashville-Davidson

What homes there are in Nashville-Davidson, 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

In Nashville-Davidson there is a bit of everything: no kind of home reaches half. The most common are detached houses (49%), as in Davidson County.

Year built

By age, homes in Nashville-Davidson look like those in Davidson County: the typical year built is 1987.

In Nashville-Davidson, 50% of homes have 3 bedrooms or more, about the same as in Davidson 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

The FHA limit for Davidson County is high ($1,029,250): at least 92% of owner-occupied homes in Nashville-Davidson are worth less than $1,000,000.

Monthly rent with utilities

About 63% of rented homes in Nashville-Davidson cost less than HUD's 2-bedroom fair market rent for Davidson County ($1,798); the rest cost more.

With a mortgage

$1,898 a month

Davidson County: $1,910 a month

Without a mortgage

$615 a month

Davidson County: $627 a month

Owners with a mortgage

69%

Davidson County: 69%

The typical cost for an owner with a mortgage in Nashville-Davidson is $1,898 a month, near the figure in Davidson County ($1,910).

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 Nashville-Davidson rose 73% since 2015–2019, about the same as in Davidson County (73%).

Rents in Nashville-Davidson rose at about the same pace as in Davidson County: 44% since 2015–2019, against 44%.

Housing prices ran ahead of income in Nashville-Davidson: typical income rose 29%, against +73% for home values and +44% for rent.

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

MeasureNashville-DavidsonDavidson CountyTennesseeUnited States
Rental vacancy 7.2%7.2%6.1%5.5%
Homeowner vacancy 1.0%1.0%0.9%0.9%
More than one person per room 3.2%3.2%2.2%3.4%
People per household 2.132.142.452.53
Drive alone 67%67%76%69%
Carpool 8%8%8%9%
Public transit 2%1%0%3%
Walk or bike 2%2%1%3%
Work from home 20%20%13%15%
Other means 1%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Davidson County, the rental vacancy rate in Nashville-Davidson is 7.2%.

More than one person per room: that is how 3.2% of households in Nashville-Davidson live, near the figure in Davidson County (3.2%).

By size, households in Nashville-Davidson look like those in Davidson County: 2.13 people on average.

The car rules in Nashville-Davidson: 67% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Nashville-Davidson?

A typical home costs more than the typical income allows

We start with a typical home in Nashville-Davidson, worth $413,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Nashville-Davidson, which is $77,371 a year. For that payment to be 28% of income, a household would need to earn about $141,994 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Nashville-Davidson. 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 $14,476 (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

$3,313

at 7.18% · 30 years

Loan amount
$406,109
Total interest
$584,295
Paid off in
November 2056

Includes $6,985 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,805 a month

  • Tight

    $1,805 to $2,321 a month

  • Hard

    more than $2,321 a month

    Your payment · 51%

Compared with the typical household income in Nashville-Davidson ($77,371 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,313
Principal & interest$2,751
Property tax$207
Home insurance$172
FHA mortgage insurance (MIP)$183

You need at least $14,476 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

Nashville-Davidson and Davidson County

Nashville-Davidson is in Davidson 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).

Nashville-Davidson's own numbers

Typical home value
$413,600
Typical monthly rent
$1,586
Typical yearly household income
$77,371
Households that own their home
52%
Effective property tax rate
0.6%

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

Numbers for all of Davidson 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)
+49%
Homes in a high flood-risk zone
1.5%

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 Davidson County.

Everything about Davidson County

Buying

Buying a home in Nashville-Davidson

A typical home in Nashville-Davidson is worth $413,600: about the same as the county and 44% above Tennessee. With the typical household income in Nashville-Davidson ($77,371 a year), a typical home costs 5.3 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.

  • Nashville-Davidson 5.3 years
  • Davidson 5.4 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Davidson County

According to FHFA’s house price index, home prices in Davidson County rose 116% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +1.0% +2.4% +2.9%
5 years (2020–2025) +49% +60% +47%
10 years (2015–2025) +116% +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

Nashville-Davidson next to Davidson 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
  • Nashville-Davidson $413,600
  • Davidson $417,400
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Nashville-Davidson $1,586
  • Davidson $1,582
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Nashville-Davidson $77,371
  • Davidson $77,853
  • Tennessee $69,595
  • United States $80,734
See the full table
Nashville-Davidson next to Davidson County and Tennessee
Measure Nashville-Davidson Davidson County Tennessee U.S.
Typical home value $413,600 $417,400 $286,700 $332,700
Typical monthly rent $1,586 $1,582 $1,189 $1,413
Typical yearly household income $77,371 $77,853 $69,595 $80,734
Households that own their home 52% 53% 67% 65%
Typical yearly property tax $2,472 $2,506 $1,442 $3,119
Effective property tax rate 0.6% 0.6% 0.5% 0.94%
Renters with high rent for their income 54% 54% 49% 51%

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

For a typical $413,600 home in Nashville-Davidson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Nashville-Davidson's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,313a month

    Least cash to close
    Down payment
    $14,476
    Cash to close
    $26,884
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $183

  • Conventional, 5% down $3,237a month

    Down payment
    $20,680
    Cash to close
    $33,088
    Rate
    7.18%
    Mortgage insurance
    PMI · $196

  • Conventional, 20% down, no PMI $2,621a month

    Down payment
    $82,720
    Cash to close
    $95,128
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,003a month

    Down payment
    $62,040
    Cash to close
    $74,448
    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 Nashville-Davidson and for Davidson County.

Property tax

Effective rate in Nashville-Davidson

0.6%of the home’s value each year

$2,472 a year for the typical owner in Nashville-Davidson.

  • Nashville-Davidson 0.6%
  • Davidson 0.6%
  • 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 Davidson County

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

Homes in the high-risk zone
1.5%
3,405
Of those, with NFIP insurance
57%
County Tennessee U.S.
Homes in the high-risk zone 1.5% 1.6% 3.5%
Of those, with NFIP insurance 57% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Nashville-Davidson

Typical rent in Nashville-Davidson is $1,586 a month: about the same as the county. In Nashville-Davidson, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Davidson 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 Davidson 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 Nashville-Davidson

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Nashville-Davidson has 27 ZIP codes with their own.

For 2 bedrooms it runs from $1,210 in 37080 to $2,560 in 37219.

20 of the 27 are above the fair market rent for Davidson County ($1,798).

6 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Nashville-Davidson 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 Nashville-Davidson

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

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Nashville-Davidson

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

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

  • Tennessee Housing Development Agency - Direct Counseling

    502 Deaderick St, Nashville · 1 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (888) 483-8432

  • Tennessee Housing Development Agency

    502 Deaderick Street, Nashville · 1 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 1 more
    (888) 483-8432

  • New Level Community Development Corporation

    1112 Jefferson St, Nashville · 1 miles away

    • Budget and financial counseling
    • Fair housing pre-purchase workshops
    • and 4 more
    (615) 627-0347

Every agency in Davidson County All counseling agencies in Tennessee

Help in Spanish near Nashville-Davidson

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 Nashville-Davidson

In HUD’s record, no housing authority with an office in Davidson County is named for Nashville-Davidson or Davidson County.

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

Cities

Nearby cities

The cities closest to Nashville-Davidson, with the typical home value.

Everything about Davidson County Housing in Tennessee

Neighboring counties

If Davidson 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 Nashville-Davidson.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Nashville-Davidson

Short answers with the numbers for Nashville-Davidson and all of Davidson 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 Nashville-Davidson?

The typical home value in Nashville-Davidson is $413,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Davidson County it is $417,400.

How much does it cost to rent in Nashville-Davidson?

Typical rent in Nashville-Davidson is $1,586 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Davidson County is $1,798.

What is the FHA loan limit in Nashville-Davidson?

Nashville-Davidson uses the FHA limit for all of Davidson 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 Nashville-Davidson?

The typical homeowner in Nashville-Davidson pays $2,472 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in Davidson County, the rate is 0.6%.

Where can I find free help to buy or rent in Nashville-Davidson?

There are 10 HUD-approved counseling agencies with an office in Davidson 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).