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City · 18,397 residents · Sevier County, Tennessee

Sevierville , Tennessee

In Sevierville, a typical home is worth $289,600 and typical rent is $1,081 a month. Compared with all of Sevier County, typical household income is 16% lower and the share of households that own their home is 20 points lower.

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  • Typical home value

    $289,600

    3% below the county

    About the same as Tennessee

    • Sevierville
    • Sevier
    • Tennessee

  • Typical rent

    $1,081a month

    About the same as the county

    9% below Tennessee

    • Sevierville
    • Sevier
    • Tennessee

  • Typical household income

    $52,421a year

    16% below the county

    25% below Tennessee

    • Sevierville
    • Sevier
    • Tennessee

  • Households that own their home

    51%

    20 points below the county

    16 points below Tennessee

    • Sevierville
    • Sevier
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$419,984
about the same as 12 months ago
Typical rent
$1,787 a month
8.9% more than 12 months ago

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

Sevierville is in Sevier 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 Sevier County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sevierville apart

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

  1. 51% of households in Sevierville own their home, against 71% in Sevier County.

  2. Nearby, in Eagleton Village, the typical home value is $197,700: 32% less than in Sevierville ($289,600).

  3. Nearby, in Jefferson City, the typical rent is $851: 21% less than in Sevierville ($1,081).

  4. The typical household income in Sevierville is $52,421, 16% less than in Sevier County as a whole ($62,581).

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

The homes here

Housing in Sevierville

What homes there are in Sevierville, 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 Sevierville there is a bit of everything: no kind of home reaches half. The most common are detached houses (46%); in Sevier County, 68%.

Year built

By age, homes in Sevierville look like those in Sevier County: the typical year built is 1994.

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 loan limit for Sevier County is $541,287, and about 77% of owner-occupied homes in Sevierville are worth less than that.

Monthly rent with utilities

With a mortgage

$1,550 a month

Sevier County: $1,390 a month

Without a mortgage

$460 a month

Sevier County: $373 a month

Owners with a mortgage

55%

Sevier County: 52%

Owning costs more in Sevierville: with a mortgage, the typical cost is $1,550 a month; in Sevier County, $1,390. Without one, $460.

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

Homes in Sevierville gained value more slowly than in Sevier County: 54% since 2015–2019, against 70%.

Since 2015–2019, the typical rent in Sevierville rose 40%, more than in Sevier County (36%).

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

MeasureSeviervilleSevier CountyTennesseeUnited States
Rental vacancy Unreliable estimate20.5%6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate3.2%2.2%3.4%
People per household 2.262.452.452.53
Drive alone 81%79%76%69%
Carpool 14%12%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 4%7%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Sevierville are smaller: 2.26 people on average; in Sevier County, 2.45.

In Sevierville, 81% of workers drive alone to work; in Sevier County, 79%.

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 Sevierville?

A typical home costs more than the typical income allows

We start with a typical home in Sevierville, worth $289,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Sevierville, which is $52,421 a year. For that payment to be 28% of income, a household would need to earn about $97,044 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Sevierville. 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 $10,136 (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

$2,264

at 7.18% · 30 years

Loan amount
$284,355
Total interest
$409,120
Paid off in
November 2056

Includes $4,891 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,223 a month

  • Tight

    $1,223 to $1,573 a month

  • Hard

    more than $1,573 a month

    Your payment · 52%

Compared with the typical household income in Sevierville ($52,421 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,264
Principal & interest$1,926
Property tax$89
Home insurance$121
FHA mortgage insurance (MIP)$128

You need at least $10,136 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

Sevierville and Sevier County

Sevierville is in Sevier 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).

Sevierville's own numbers

Typical home value
$289,600
Typical monthly rent
$1,081
Typical yearly household income
$52,421
Households that own their home
51%
Effective property tax rate
0.37%

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

Numbers for all of Sevier County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,213
Price change over 5 years (FHFA)
+74%
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 Sevier County.

Everything about Sevier County

Buying

Buying a home in Sevierville

A typical home in Sevierville is worth $289,600: 3% below the county and about the same as Tennessee. With the typical household income in Sevierville ($52,421 a year), a typical home costs 5.5 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.

  • Sevierville 5.5 years
  • Sevier 4.8 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sevier County

According to FHFA’s house price index, home prices in Sevier County rose 157% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +4.8% +2.4% +2.9%
5 years (2020–2025) +74% +60% +47%
10 years (2015–2025) +157% +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

Sevierville next to Sevier 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
  • Sevierville $289,600
  • Sevier $299,000
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Sevierville $1,081
  • Sevier $1,072
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Sevierville $52,421
  • Sevier $62,581
  • Tennessee $69,595
  • United States $80,734
See the full table
Sevierville next to Sevier County and Tennessee
Measure Sevierville Sevier County Tennessee U.S.
Typical home value $289,600 $299,000 $286,700 $332,700
Typical monthly rent $1,081 $1,072 $1,189 $1,413
Typical yearly household income $52,421 $62,581 $69,595 $80,734
Households that own their home 51% 71% 67% 65%
Typical yearly property tax $1,073 $824 $1,442 $3,119
Effective property tax rate 0.37% 0.28% 0.5% 0.94%
Renters with high rent for their income 54% 41% 49% 51%

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

For a typical $289,600 home in Sevierville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sevierville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,264a month

    Least cash to close
    Down payment
    $10,136
    Cash to close
    $18,824
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $128

  • Conventional, 5% down $2,211a month

    Down payment
    $14,480
    Cash to close
    $23,168
    Rate
    7.18%
    Mortgage insurance
    PMI · $138

  • Conventional, 20% down, no PMI $1,779a month

    Down payment
    $57,920
    Cash to close
    $66,608
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,047a month

    Down payment
    $43,440
    Cash to close
    $52,128
    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 Sevierville and for Sevier County.

Property tax

Effective rate in Sevierville

0.37%of the home’s value each year

$1,073 a year for the typical owner in Sevierville.

  • Sevierville 0.37%
  • Sevier 0.28%
  • 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 Sevier County

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

Homes in the high-risk zone
3.4%
1,600
Of those, with NFIP insurance
21%
County Tennessee U.S.
Homes in the high-risk zone 3.4% 1.6% 3.5%
Of those, with NFIP insurance 21% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sevierville

Typical rent in Sevierville is $1,081 a month: about the same as the county. In Sevierville, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sevier County, by unit size. To pay the 2-bedroom one ($1,213 a month) without spending more than 30% of your income, you would need to earn $23.33 an hour working full time.

HUD fair market rent for all of Sevier 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 $1,032 $19.85 $41,280
1 bedroom $1,038 $19.96 $41,520
2 bedrooms $1,213 $23.33 $48,520
3 bedrooms $1,569 $30.17 $62,760
4 bedrooms $1,594 $30.65 $63,760

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 Sevierville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sevierville has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,150 in 37862 to $1,320 in 37764.

1 of the 3 is above the fair market rent for Sevier County ($1,213).

  • 37764 $1,320$1,700
  • 37862 $1,150$1,490
  • 37876 $1,200$1,550

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

HUD lists 12 buildings with rents for lower incomes in Sevierville. These are the largest.

  • Forest Cove 2121 New Era Rd, Sevierville 37862 96 low-income homes · 1 bd: 12 · 2 bd: 48 · 3 bd: 36 · In service since 2020 · For people with disabilities
  • Highland Ridge Apts 1415 Avery Ln, Sevierville 37862 88 low-income homes · 2 bd: 56 · 3 bd: 32 · In service since 2013 · For people with disabilities, families
  • Woodland Park Apts. 202 Hardin Ln, Sevierville 37862 55 homes, 54 low-income · For older adults (865) 429-6896
  • Dogwood Ridge Apts 1263 Smithwood Rd, Sevierville 37862 54 low-income homes · 2 bd: 54 · In service since 2011 · For people with disabilities
  • Riverpark Apts II 210 Riverpark Way, Sevierville 37862 50 low-income homes · 1 bd: 4 · 2 bd: 36 · 3 bd: 10 · In service since 2007 · For people with disabilities, families

See all 17 buildings in Sevier County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Sevierville

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 Sevier County. The nearest ones are below; many serve by phone or online.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Sevierville

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

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

  • KNOX HOUSING PARTNERSHIP, INCORPORATED dba HOMESOURCE EAST TENNESSEE

    109 Winona St, Knoxville · 19 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (865) 637-1679

  • Knoxville Area Urban League

    1514 E 5th Ave, Knoxville · 19 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (865) 524-5511

  • University of Tennessee Extension Office

    2621 Morgan Cir, Knoxville · 21 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (865) 974-7349

All counseling agencies in Tennessee

Help in Spanish near Sevierville

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 Sevierville

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

All housing agencies in Tennessee Source: HUD

Cities

Other cities in Sevier County

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

Everything about Sevier County Housing in Tennessee

Nearby cities

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

Neighboring counties

If Sevier 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 Sevierville.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Sevierville

Short answers with the numbers for Sevierville and all of Sevier 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 Sevierville?

The typical home value in Sevierville is $289,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sevier County it is $299,000.

How much does it cost to rent in Sevierville?

Typical rent in Sevierville is $1,081 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sevier County is $1,213.

What is the FHA loan limit in Sevierville?

Sevierville uses the FHA limit for all of Sevier 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 Sevierville?

The typical homeowner in Sevierville pays $1,073 a year, according to the U.S. Census Bureau. That is 0.37% of the home’s value; in Sevier County, the rate is 0.28%.

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

We found no HUD-approved counseling agencies with an office in Sevier County; the nearest ones are on this page. 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).