In Pulaski, a typical home is worth $194,400 and typical rent is $835 a month. Compared with all of Giles County, typical household income is 22% lower, the typical home value is 17% lower, and the share of households that own their home is 27 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $187,091 to $246,568.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Pulaski is in Giles 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 Giles County. See the county
What this place has that others do not, from public data, most unusual first.
1
47% of households in Pulaski own their home, against 73% in Giles County.
2
The typical household income in Pulaski is $48,538,22% less than in Giles County as a whole ($62,307).
3
The typical home in Pulaski is worth $194,400,17% less than in Giles County as a whole ($234,300).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Pulaski
What homes there are in Pulaski, 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
Pulaski
Giles County
Tennessee
United States
Kind of home: Pulaski and its comparisons
Measure
Pulaski
Giles County
Tennessee
United States
Detached house
62%
73%
68%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
12%
4%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
14%
19%
Mobile home
Unreliable estimate
16%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Pulaski, but it weighs less than in Giles County: 62% against 73%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Pulaski
Giles County
Tennessee
United States
Year built: Pulaski and its comparisons
Measure
Pulaski
Giles County
Tennessee
United States
Before 1960
17%
19%
18%
26%
1960–1979
42%
28%
23%
24%
1980–1999
24%
29%
29%
25%
2000–2009
Unreliable estimate
11%
16%
14%
2010 or later
8%
12%
15%
11%
Homes in Pulaski are older: the typical year built is 1977; in Giles County, 1982.
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 $100K16%
$100K–$200K35%
$200K–$300K25%
$300K–$500K17%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Pulaski and its comparisons
Measure
Pulaski
Under $100K
16%
$100K–$200K
35%
$200K–$300K
25%
$300K–$500K
17%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
At least 93% of owner-occupied homes in Pulaski are worth less than $500,000, below the FHA loan limit for Giles County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99959%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Pulaski and its comparisons
Measure
Pulaski
Under $500
Unreliable estimate
$500–$999
59%
$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
$1,210 a month
Giles County: $1,330 a month
Without a mortgage
$389 a month
Giles County: $406 a month
Owners with a mortgage
62%
Giles County: 53%
The typical cost for an owner with a mortgage in Pulaski is $1,210 a month, less than in Giles County ($1,330); without one, $389.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Pulaski+91%
Giles County+81%
Tennessee+72%
United States+53%
Typical rent
Pulaski+33%
Giles County+31%
Tennessee+37%
United States+33%
Typical household income
Pulaski+54%
Giles County+26%
Tennessee+31%
United States+29%
Change since 2015–2019: Pulaski and its comparisons
Measure
Pulaski
Giles County
Tennessee
United States
Typical home value
+91%
+81%
+72%
+53%
Typical rent
+33%
+31%
+37%
+33%
Typical household income
+54%
+26%
+31%
+29%
The typical home value in Pulaski rose 91% since 2015–2019, more than in Giles County (81%).
Much as in Giles County, the typical rent in Pulaski rose 33% since 2015–2019.
To compare: typical income in Pulaski rose 54%; the home, +91%; the rent, +33%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Pulaski and its comparisons
Measure
Pulaski
Giles County
Tennessee
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
2.2%
3.4%
People per household
2.20
2.48
2.45
2.53
Drive alone
80%
82%
76%
69%
Carpool
Unreliable estimate
9%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
7%
7%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Households in Pulaski are smaller: 2.20 people on average; in Giles County, 2.48.
To get to work, 80% of workers in Pulaski drive alone; in Giles County, 82%.
Do the math
What would you pay each month for a home in Pulaski?
A typical home costs more than the typical income allows
We start with a typical home in Pulaski, worth $194,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Pulaski, which is $48,538 a year. For that payment to be 28% of income, a household would need to earn about $66,115 a year.
The calculator's FHA and conventional loan limits are those of all of Giles 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 Pulaski. 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 $6,804 (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
$1,543
at 7.18% · 30 years
Loan amount
$190,879
Total interest
$274,630
Paid off in
November 2056
Includes $3,283 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,133 a month
Tight
$1,133 to $1,456 a month
Hard
more than $1,456 a month
Your payment · 38%
Compared with the typical household income in Pulaski ($48,538 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,293
Property tax
$83
Home insurance
$81
FHA mortgage insurance (MIP)
$86
You need at least $6,804 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 $1,543; principal and interest $1,293.
The city and its county
Pulaski and Giles County
Pulaski is in Giles 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).
Pulaski
Map of Giles County, Tennessee, with Pulaski marked. Around it, the neighboring counties.
Pulaski
Giles County
Other cities with a page
Pulaski's own numbers
Typical home value
$194,400
Typical monthly rent
$835
Typical yearly household income
$48,538
Households that own their home
47%
Effective property tax rate
0.51%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Giles County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,105
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
3.4%
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 Giles County.
A typical home in Pulaski is worth $194,400: 17% below the county and 32% below Tennessee. With the typical household income in Pulaski ($48,538 a year), a typical home costs 4.0 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.
Pulaski4.0 years
Giles3.8 years
Tennessee4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Giles County
According to FHFA’s house price index, home prices in Giles County rose 126% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Giles County.
Yearly change in FHFA’s price index in Giles County, 2016 to 2025
2016: +6.4% +6.4% 2016
2017: +4.0% +4.0% 2017
2018: +7.4% +7.4% 2018
2019: +9.2% +9.2% 2019
2020: +5.9% +5.9% 2020
2021: +12.9% +12.9% 2021
2022: +27.2% +27.2% 2022
2023: +4.1% +4.1% 2023
2024: +5.9% +5.9% 2024
2025: +3.7% +3.7% 2025
Change in FHFA’s price index in Giles County, Tennessee and the United States
Period
County
Tennessee
U.S.
Last year (2025)
+3.7%
+2.4%
+2.9%
5 years (2020–2025)
+64%
+60%
+47%
10 years (2015–2025)
+126%
+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
Pulaski next to Giles 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
Pulaski$194,400
Giles$234,300
Tennessee$286,700
United States$332,700
Typical monthly rent
Pulaski$835
Giles$862
Tennessee$1,189
United States$1,413
Typical yearly household income
Pulaski$48,538
Giles$62,307
Tennessee$69,595
United States$80,734
See the full table
Pulaski next to Giles County and Tennessee
Measure
Pulaski
Giles County
Tennessee
U.S.
Typical home value
$194,400 ▼17% below the county
$234,300
$286,700
$332,700
Typical monthly rent
$835 ▼3% below the county
$862
$1,189
$1,413
Typical yearly household income
$48,538 ▼22% below the county
$62,307
$69,595
$80,734
Households that own their home
47% ▼27 points below the county
73%
67%
65%
Typical yearly property tax
$998
$989
$1,442
$3,119
Effective property tax rate
0.51% ▲0.09 points above the county
0.42%
0.5%
0.94%
Renters with high rent for their income
42% ▲5 points above the county
37%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Giles 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 Pulaski
For a typical $194,400 home in Pulaski, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pulaski's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,543a month
Least cash to close
Down payment
$6,804
Cash to close
$12,636
Rate
7.18%
Mortgage insurance
FHA MIP · $86
Conventional, 5% down$1,507a month
Down payment
$9,720
Cash to close
$15,552
Rate
7.18%
Mortgage insurance
PMI · $92
Conventional, 20% down, no PMI$1,217a month
Down payment
$38,880
Cash to close
$44,712
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,397a month
Down payment
$29,160
Cash to close
$34,992
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Pulaski
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,543
$6,804
$190,879
7.18%
FHA MIP · $86
$12,636
580
Conventional, 5% down
$1,507
$9,720
$184,680
7.18%
PMI · $92
$15,552
620*
Conventional, 20% down, no PMI
$1,217
$38,880
$155,520
7.18%
None
$44,712
620*
ITIN, 15% down (example)
$1,397
$29,160
$165,240
8.18%
None
$34,992
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 Pulaski and for Giles County.
Property tax
Effective rate in Pulaski
0.51%of the home’s value each year
$998 a year for the typical owner in Pulaski.
Pulaski0.51%
Giles0.42%
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)
Typical rent in Pulaski is $835 a month: 3% below the county. In Pulaski, 42% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Giles County, by unit size. To pay the 2-bedroom one ($1,105 a month) without spending more than 30% of your income, you would need to earn $21.25 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Giles County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$839
$16.13
$33,560
1 bedroom
$845
$16.25
$33,800
2 bedrooms
$1,105
$21.25
$44,200
3 bedrooms
$1,317
$25.33
$52,680
4 bedrooms
$1,515
$29.13
$60,600
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 Pulaski
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pulaski is in ZIP code 38478.
For 2 bedrooms it is $1,110: $5 more than the fair market rent for Giles County ($1,105).
Fair market rent by ZIP code and size in Pulaski, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
38478
$840
$850
$1,110
$1,320
$1,520
ZIP code2 bd3 bd
38478 $1,110$1,320
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pulaski 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 9 buildings with rents for lower incomes in Pulaski. These are the largest.
Pulaski Housing Authority733 Childers St, Pulaski 38478206 homes, 202 low-income · Run by Pulaski Housing Authority · Average payment: $414 a month · Average wait: 3 months(931) 363-6525
Creekside Apts950 Magazine RD, Pulaski 3847888 low-income homes · 1 bd: 24 · 2 bd: 44 · 3 bd: 20 · In service since 2002 · For people with disabilities, families
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 Giles 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 Pulaski or Giles County. The ones below are statewide in Tennessee: they work in Pulaski 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).
No legal help resource on our list is for Pulaski or Giles 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 Pulaski and all of Giles 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 Pulaski?
The typical home value in Pulaski is $194,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Giles County it is $234,300.
How much does it cost to rent in Pulaski?
Typical rent in Pulaski is $835 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Giles County is $1,105.
What is the FHA loan limit in Pulaski?
Pulaski uses the FHA limit for all of Giles 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 Pulaski?
The typical homeowner in Pulaski pays $998 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in Giles County, the rate is 0.42%.
Where can I find free help to buy or rent in Pulaski?
We found no HUD-approved counseling agencies with an office in Giles County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
