In Savannah, a typical home is worth $160,200 and typical rent is $758 a month. Compared with all of Hardin County, typical household income is 21% 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 $145,565 to $194,935.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Savannah is in Hardin 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 Hardin County. See the county
What this place has that others do not, from public data, most unusual first.
1
51% of households in Savannah own their home, against 78% in Hardin County.
2
Savannah has the 7th lowest typical household income of the 113 cities in Tennessee with more than 5,000 people ($39,712).
3
Savannah has the 9th largest share of rent-burdened renters of the 101 cities in Tennessee with more than 5,000 people (57%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Savannah
What homes there are in Savannah, 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
Savannah
Hardin County
Tennessee
United States
Kind of home: Savannah and its comparisons
Measure
Savannah
Hardin County
Tennessee
United States
Detached house
72%
77%
68%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
15%
5%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
14%
19%
Mobile home
Unreliable estimate
15%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Savannah, but it weighs less than in Hardin County: 72% against 77%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Savannah
Hardin County
Tennessee
United States
Year built: Savannah and its comparisons
Measure
Savannah
Hardin County
Tennessee
United States
Before 1960
19%
12%
18%
26%
1960–1979
41%
31%
23%
24%
1980–1999
28%
33%
29%
25%
2000–2009
10%
16%
16%
14%
2010 or later
Unreliable estimate
8%
15%
11%
Homes in Savannah are older: the typical year built is 1976; in Hardin County, 1986.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K18%
$100K–$200K47%
$200K–$300K25%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Savannah and its comparisons
Measure
Savannah
Under $100K
18%
$100K–$200K
47%
$200K–$300K
25%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99955%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Savannah and its comparisons
Measure
Savannah
Under $500
Unreliable estimate
$500–$999
55%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,047 a month
Hardin County: $1,074 a month
Without a mortgage
$436 a month
Hardin County: $404 a month
Owners with a mortgage
48%
Hardin County: 42%
Owning costs about the same in Savannah as in Hardin County: with a mortgage, $1,047 a month; without one, $436.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Savannah+39%
Hardin County+29%
Tennessee+72%
United States+53%
Typical rent
Savannah+29%
Hardin County+31%
Tennessee+37%
United States+33%
Typical household income
SavannahNo clear change
Hardin County+23%
Tennessee+31%
United States+29%
Change since 2015–2019: Savannah and its comparisons
Measure
Savannah
Hardin County
Tennessee
United States
Typical home value
+39%
+29%
+72%
+53%
Typical rent
+29%
+31%
+37%
+33%
Typical household income
No clear change
+23%
+31%
+29%
From 2015–2019 to 2020–2024, the typical home value in Savannah rose 39%; in Hardin County, it rose 29%.
Rents in Savannah rose at about the same pace as in Hardin County: 29% since 2015–2019, against 31%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Savannah and its comparisons
Measure
Savannah
Hardin 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
2.56
2.44
2.45
2.53
Drive alone
82%
84%
76%
69%
Carpool
11%
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
Unreliable estimate
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
Much as in Hardin County, a household in Savannah has 2.56 people on average.
Carpooling is common in Savannah: 11% of workers get to work that way, against 7% in Hardin County.
Do the math
What would you pay each month for a home in Savannah?
A typical home costs more than the typical income allows
We start with a typical home in Savannah, worth $160,200, 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 Savannah, which is $39,712 a year. For that payment to be 28% of income, a household would need to earn about $54,198 a year.
The calculator's FHA and conventional loan limits are those of all of Hardin 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 Savannah. 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 $5,607 (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
$1,265
at 7.18% · 30 years
Loan amount
$157,298
Total interest
$226,315
Paid off in
November 2056
Includes $2,705 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $927 a month
Tight
$927 to $1,191 a month
Hard
more than $1,191 a month
Your payment · 38%
Compared with the typical household income in Savannah ($39,712 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,066
Property tax
$61
Home insurance
$67
FHA mortgage insurance (MIP)
$71
You need at least $5,607 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 $1,265; principal and interest $1,066.
The city and its county
Savannah and Hardin County
Savannah is in Hardin 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).
Savannah
Map of Hardin County, Tennessee, with Savannah marked. Around it, the neighboring counties.
Savannah
Hardin County
Savannah's own numbers
Typical home value
$160,200
Typical monthly rent
$758
Typical yearly household income
$39,712
Households that own their home
51%
Effective property tax rate
0.46%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hardin County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$995
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
7.5%
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 Hardin County.
A typical home in Savannah is worth $160,200: about the same as the county and 44% below Tennessee. With the typical household income in Savannah ($39,712 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.
Savannah4.0 years
Hardin3.2 years
Tennessee4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hardin County
According to FHFA’s house price index, home prices in Hardin County rose 90% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hardin County.
Yearly change in FHFA’s price index in Hardin County, 2016 to 2025
2016: +5.9% +5.9% 2016
2017: +0.4% +0.4% 2017
2018: +3.8% +3.8% 2018
2019: +5.7% +5.7% 2019
2020: +1.3% +1.3% 2020
2021: +10.8% +10.8% 2021
2022: +21.4% +21.4% 2022
2023: +7.0% +7.0% 2023
2024: +7.4% +7.4% 2024
2025: +4.2% +4.2% 2025
Change in FHFA’s price index in Hardin County, Tennessee and the United States
Period
County
Tennessee
U.S.
Last year (2025)
+4.2%
+2.4%
+2.9%
5 years (2020–2025)
+61%
+60%
+47%
10 years (2015–2025)
+90%
+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
Savannah next to Hardin 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
Savannah$160,200
Hardin$160,400
Tennessee$286,700
United States$332,700
Typical monthly rent
Savannah$758
Hardin$775
Tennessee$1,189
United States$1,413
Typical yearly household income
Savannah$39,712
Hardin$49,956
Tennessee$69,595
United States$80,734
See the full table
Savannah next to Hardin County and Tennessee
Measure
Savannah
Hardin County
Tennessee
U.S.
Typical home value
$160,200
$160,400
$286,700
$332,700
Typical monthly rent
$758 ▼2% below the county
$775
$1,189
$1,413
Typical yearly household income
$39,712 ▼21% below the county
$49,956
$69,595
$80,734
Households that own their home
51% ▼27 points below the county
78%
67%
65%
Typical yearly property tax
$730 ▲11% above the county
$658
$1,442
$3,119
Effective property tax rate
0.46% ▲0.05 points above the county
0.41%
0.5%
0.94%
Renters with high rent for their income
57% ▲14 points above the county
44%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hardin 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 Savannah
For a typical $160,200 home in Savannah, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Savannah's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,265a month
Least cash to close
Down payment
$5,607
Cash to close
$10,413
Rate
7.18%
Mortgage insurance
FHA MIP · $71
Conventional, 5% down$1,235a month
Down payment
$8,010
Cash to close
$12,816
Rate
7.18%
Mortgage insurance
PMI · $76
Conventional, 20% down, no PMI$996a month
Down payment
$32,040
Cash to close
$36,846
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,144a month
Down payment
$24,030
Cash to close
$28,836
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Savannah
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,265
$5,607
$157,298
7.18%
FHA MIP · $71
$10,413
580
Conventional, 5% down
$1,235
$8,010
$152,190
7.18%
PMI · $76
$12,816
620*
Conventional, 20% down, no PMI
$996
$32,040
$128,160
7.18%
None
$36,846
620*
ITIN, 15% down (example)
$1,144
$24,030
$136,170
8.18%
None
$28,836
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 Savannah and for Hardin County.
Property tax
Effective rate in Savannah
0.46%of the home’s value each year
$730 a year for the typical owner in Savannah.
Savannah0.46%
Hardin0.41%
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 Savannah is $758 a month: 2% below the county. In Savannah, 57% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Hardin County, by unit size. To pay the 2-bedroom one ($995 a month) without spending more than 30% of your income, you would need to earn $19.13 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 Hardin County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$756
$14.54
$30,240
1 bedroom
$761
$14.63
$30,440
2 bedrooms
$995
$19.13
$39,800
3 bedrooms
$1,249
$24.02
$49,960
4 bedrooms
$1,308
$25.15
$52,320
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 Savannah
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Savannah is in ZIP code 38372.
For 2 bedrooms it is $1,000: $5 more than the fair market rent for Hardin County ($995).
Fair market rent by ZIP code and size in Savannah, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
38372
$760
$760
$1,000
$1,250
$1,310
ZIP code2 bd3 bd
38372 $1,000$1,250
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Savannah 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 Savannah. These are the largest.
May Rose Place Apts1070 Florence Rd, Savannah 3837264 low-income homes · 2 bd: 48 · 3 bd: 16 · In service since 2004
Savannah HSG Auth195 Bain Rd, Savannah 3837262 low-income homes · Run by Savannah Housing Authority · Average payment: $470 a month · Average wait: 2 months(731) 925-2020
Savannah Townhouses230 Ryan St, Savannah 3837250 low-income homes · For families(731) 925-4464
Savannah Village345 Stout St, Savannah 3837248 low-income homes · 1 bd: 16 · 2 bd: 32 · In service since 2020
Southwood Apartments1701 Austin Street, Savannah 3837244 homes, 43 low-income · 1 bd: 20 · 2 bd: 24 · In service since 2016 · For 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 Hardin 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 Savannah or Hardin County. The ones below are statewide in Tennessee: they work in Savannah 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 Savannah or Hardin 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 Savannah and all of Hardin 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 Savannah?
The typical home value in Savannah is $160,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hardin County it is $160,400.
How much does it cost to rent in Savannah?
Typical rent in Savannah is $758 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hardin County is $995.
What is the FHA loan limit in Savannah?
Savannah uses the FHA limit for all of Hardin 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 Savannah?
The typical homeowner in Savannah pays $730 a year, according to the U.S. Census Bureau. That is 0.46% of the home’s value; in Hardin County, the rate is 0.41%.
Where can I find free help to buy or rent in Savannah?
We found no HUD-approved counseling agencies with an office in Hardin County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
