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City · 13,449 residents · Sumner County, Tennessee

Portland , Tennessee

In Portland, a typical home is worth $282,200 and typical rent is $1,141 a month. Compared with all of Sumner County, the typical home value is 28% lower, typical rent is 20% lower, and the share of households that own their home is 5 points lower.

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  • Typical home value

    $282,200

    28% below the county

    About the same as Tennessee

    • Portland
    • Sumner
    • Tennessee

  • Typical rent

    $1,141a month

    20% below the county

    4% below Tennessee

    • Portland
    • Sumner
    • Tennessee

  • Typical household income

    $72,647a year

    20% below the county

    4% above Tennessee

    • Portland
    • Sumner
    • Tennessee

  • Households that own their home

    67%

    5 points below the county

    About the same as Tennessee

    • Portland
    • Sumner
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$329,771
about the same as 12 months ago
Typical rent
$1,650 a month

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

Portland 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 Portland apart

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

  1. The typical home in Portland is worth $282,200, 28% less than in Sumner County as a whole ($393,100).

  2. The typical rent in Portland is $1,141 a month, 20% less than in Sumner County as a whole ($1,424).

  3. The typical household income in Portland is $72,647, 20% less than in Sumner County as a whole ($90,301).

  4. 67% of households in Portland own their home, against 72% in Sumner County.

  5. Portland has the 10th largest share of rent-burdened renters of the 101 cities in Tennessee with more than 5,000 people (56%).

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

The homes here

Housing in Portland

What homes there are in Portland, 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 Portland are detached houses (75%).

There are more mobile homes here than in Sumner County: 10% of homes, against 5%.

Year built

By age, homes in Portland look like those in Sumner County: the typical year built is 1996.

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

$1,451 a month

Sumner County: $1,831 a month

Without a mortgage

$474 a month

Sumner County: $560 a month

Owners with a mortgage

78%

Sumner County: 67%

Owning costs less in Portland: with a mortgage, the typical cost is $1,451 a month; in Sumner County, $1,831. Without one, $474.

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 Portland gained value faster than in Sumner County: 95% against 68%.

The typical rent in Portland rose 34% over the same time; in Sumner County, it rose 39%.

The typical household income in Portland rose 30%: less than home values (+95%) and rent (+34%).

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

MeasurePortlandSumner 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 2.672.582.452.53
Drive alone 79%74%76%69%
Carpool 11%8%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 7%16%13%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Sumner County, a household in Portland has 2.67 people on average.

Carpooling is common in Portland: 11% of workers get to work that way, against 8% in Sumner 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 Portland?

A typical home costs more than the typical income allows

We start with a typical home in Portland, worth $282,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Portland, which is $72,647 a year. For that payment to be 28% of income, a household would need to earn about $95,673 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 Portland. 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 $9,877 (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

$2,232

at 7.18% · 30 years

Loan amount
$277,089
Total interest
$398,666
Paid off in
November 2056

Includes $4,766 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,695 a month

  • Tight

    $1,695 to $2,179 a month

  • Hard

    more than $2,179 a month

    Your payment · 37%

Compared with the typical household income in Portland ($72,647 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,232
Principal & interest$1,877
Property tax$113
Home insurance$118
FHA mortgage insurance (MIP)$125

You need at least $9,877 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

Portland and Sumner County

Portland 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).

Portland's own numbers

Typical home value
$282,200
Typical monthly rent
$1,141
Typical yearly household income
$72,647
Households that own their home
67%
Effective property tax rate
0.48%

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 Portland

A typical home in Portland is worth $282,200: 28% below the county and about the same as Tennessee. With the typical household income in Portland ($72,647 a year), a typical home costs 3.9 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.

  • Portland 3.9 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

Portland 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
  • Portland $282,200
  • Sumner $393,100
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Portland $1,141
  • Sumner $1,424
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Portland $72,647
  • Sumner $90,301
  • Tennessee $69,595
  • United States $80,734
See the full table
Portland next to Sumner County and Tennessee
Measure Portland Sumner County Tennessee U.S.
Typical home value $282,200 $393,100 $286,700 $332,700
Typical monthly rent $1,141 $1,424 $1,189 $1,413
Typical yearly household income $72,647 $90,301 $69,595 $80,734
Households that own their home 67% 72% 67% 65%
Typical yearly property tax $1,351 $1,987 $1,442 $3,119
Effective property tax rate 0.48% 0.51% 0.5% 0.94%
Renters with high rent for their income 56% 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 Portland

For a typical $282,200 home in Portland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Portland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,232a month

    Least cash to close
    Down payment
    $9,877
    Cash to close
    $18,343
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $125

  • Conventional, 5% down $2,181a month

    Down payment
    $14,110
    Cash to close
    $22,576
    Rate
    7.18%
    Mortgage insurance
    PMI · $134

  • Conventional, 20% down, no PMI $1,760a month

    Down payment
    $56,440
    Cash to close
    $64,906
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,021a month

    Down payment
    $42,330
    Cash to close
    $50,796
    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 Portland and for Sumner County.

Property tax

Effective rate in Portland

0.48%of the home’s value each year

$1,351 a year for the typical owner in Portland.

  • Portland 0.48%
  • 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 Portland

Typical rent in Portland is $1,141 a month: 20% below the county. In Portland, 56% 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 Portland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Portland is in ZIP code 37148.

For 2 bedrooms it is $1,290: $508 less than the fair market rent for Sumner County ($1,798).

  • 37148 $1,290$1,660

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

HUD lists 3 buildings with rents for lower incomes in Portland. These are the largest.

  • Portland Housing Authority 107 Roark Dr, Portland 37148 120 low-income homes · Run by Portland Housing Authority · Average payment: $500 a month · Average wait: 15 months (615) 325-4559
  • Portland Courtyard 100 Portland Courtyard Pvt Rd, Portland 37148 63 low-income homes · 1 bd: 14 · 2 bd: 35 · 3 bd: 14 · In service since 1996 · For families
  • Highland Rim Terrace 100 Woodland Dr, Portland 37148 52 low-income homes · For older adults (615) 325-3245

See all 30 buildings in Sumner County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Portland

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.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Portland

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

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

  • Unlimited Potential CDC

    260 E Winchester St, Gallatin · 15 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (615) 230-5906

  • Aaa Residential Resources, Inc.

    604 Gallatin Ave Ste 103, Nashville · 31 miles away

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

  • William Franklin Buchanan CDC

    4121 Clarksville Pike, Nashville · 32 miles away

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

Every agency in Sumner County All counseling agencies in Tennessee

Help in Spanish near Portland

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 Portland

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

One other authority has 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 Portland, 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 Portland.

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

Questions

Housing questions about Portland

Short answers with the numbers for Portland 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 Portland?

The typical home value in Portland is $282,200, 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 Portland?

Typical rent in Portland is $1,141 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 Portland?

Portland 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 Portland?

The typical homeowner in Portland pays $1,351 a year, according to the U.S. Census Bureau. That is 0.48% of the home’s value; in Sumner County, the rate is 0.51%.

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

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).