In Smithville, a typical home is worth $194,200 and typical rent is $740 a month. Compared with all of DeKalb County, typical household income is 38% lower, the typical home value is 18% lower, and the share of households that own their home is 18 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $227,948 to $283,587.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Smithville is in DeKalb 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 DeKalb County. See the county
What this place has that others do not, from public data, most unusual first.
1
Smithville has the 2nd lowest typical household income of the 113 cities in Tennessee with more than 5,000 people ($33,192).
2
Smithville has the 2nd largest share of rent-burdened renters of the 101 cities in Tennessee with more than 5,000 people (69%).
3
55% of households in Smithville own their home, against 73% in DeKalb County.
4
The typical home in Smithville is worth $194,200,18% less than in DeKalb County as a whole ($235,500).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Smithville
What homes there are in Smithville, 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
Smithville
DeKalb County
Tennessee
United States
Kind of home: Smithville and its comparisons
Measure
Smithville
DeKalb County
Tennessee
United States
Detached house
70%
78%
68%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
Unreliable estimate
5%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
14%
19%
Mobile home
Unreliable estimate
12%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Smithville (70%), but less so than in DeKalb County (78%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Smithville
DeKalb County
Tennessee
United States
Year built: Smithville and its comparisons
Measure
Smithville
DeKalb County
Tennessee
United States
Before 1960
Unreliable estimate
11%
18%
26%
1960–1979
50%
31%
23%
24%
1980–1999
Unreliable estimate
28%
29%
25%
2000–2009
13%
18%
16%
14%
2010 or later
15%
12%
15%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K41%
$200K–$300K23%
$300K–$500K22%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Smithville and its comparisons
Measure
Smithville
Under $100K
Unreliable estimate
$100K–$200K
41%
$200K–$300K
23%
$300K–$500K
22%
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50036%
$500–$99950%
$1,000–$1,499Unreliable
HUD fair market rent, 2 bedrooms: $1,016
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Smithville and its comparisons
Measure
Smithville
Under $500
36%
$500–$999
50%
$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 estimate
HUD's 2-bedroom fair market rent for DeKalb County is high ($1,016): at least 86% of rents in Smithville cost less than $1,000.
With a mortgage
$1,137 a month
DeKalb County: $1,211 a month
Without a mortgage
$383 a month
DeKalb County: $394 a month
Owners with a mortgage
58%
DeKalb County: 53%
The typical cost for an owner with a mortgage in Smithville is $1,137 a month, less than in DeKalb County ($1,211); without one, $383.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Smithville+55%
DeKalb County+59%
Tennessee+72%
United States+53%
Typical rent
SmithvilleNo clear change
DeKalb County+30%
Tennessee+37%
United States+33%
Typical household income
SmithvilleNo clear change
DeKalb CountyNo clear change
Tennessee+31%
United States+29%
Change since 2015–2019: Smithville and its comparisons
Measure
Smithville
DeKalb County
Tennessee
United States
Typical home value
+55%
+59%
+72%
+53%
Typical rent
No clear change
+30%
+37%
+33%
Typical household income
No clear change
No clear change
+31%
+29%
From 2015–2019 to 2020–2024, the typical home value in Smithville rose 55%; in DeKalb County, it rose 59%.
The typical rent in Smithville stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Smithville and its comparisons
Measure
Smithville
DeKalb 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
2.35
2.39
2.45
2.53
Drive alone
75%
82%
76%
69%
Carpool
Unreliable estimate
10%
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
By size, households in Smithville look like those in DeKalb County: 2.35 people on average.
In Smithville, 75% of workers drive alone to work; in DeKalb County, 82%.
Do the math
What would you pay each month for a home in Smithville?
A typical home costs more than the typical income allows
We start with a typical home in Smithville, worth $194,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Smithville, which is $33,192 a year. For that payment to be 28% of income, a household would need to earn about $65,145 a year.
The calculator's FHA and conventional loan limits are those of all of DeKalb 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 Smithville. 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 $6,797 (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
$1,520
at 7.18% · 30 years
Loan amount
$190,683
Total interest
$274,347
Paid off in
November 2056
Includes $3,280 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $774 a month
Tight
$774 to $996 a month
Hard
more than $996 a month
Your payment · 55%
Compared with the typical household income in Smithville ($33,192 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,292
Property tax
$62
Home insurance
$81
FHA mortgage insurance (MIP)
$86
You need at least $6,797 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 $1,520; principal and interest $1,292.
The city and its county
Smithville and DeKalb County
Smithville is in DeKalb 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).
Smithville
Map of DeKalb County, Tennessee, with Smithville marked. Around it, the neighboring counties.
Smithville
DeKalb County
Other cities with a page
Smithville's own numbers
Typical home value
$194,200
Typical monthly rent
$740
Typical yearly household income
$33,192
Households that own their home
55%
Effective property tax rate
0.38%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of DeKalb County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,016
Price change over 5 years (FHFA)
+72%
Homes in a high flood-risk zone
2%
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 DeKalb County.
A typical home in Smithville is worth $194,200: 18% below the county and 32% below Tennessee. With the typical household income in Smithville ($33,192 a year), a typical home costs 5.9 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.
Smithville5.9 years
DeKalb4.4 years
Tennessee4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in DeKalb County
According to FHFA’s house price index, home prices in DeKalb County rose 140% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of DeKalb County.
Yearly change in FHFA’s price index in DeKalb County, 2016 to 2025
2016: +2.4% +2.4% 2016
2017: +9.0% +9.0% 2017
2018: +12.8% +12.8% 2018
2019: +4.8% +4.8% 2019
2020: +5.9% +5.9% 2020
2021: +16.1% +16.1% 2021
2022: +25.8% +25.8% 2022
2023: +4.9% +4.9% 2023
2024: +8.7% +8.7% 2024
2025: +3.1% +3.1% 2025
Change in FHFA’s price index in DeKalb County, Tennessee and the United States
Period
County
Tennessee
U.S.
Last year (2025)
+3.1%
+2.4%
+2.9%
5 years (2020–2025)
+72%
+60%
+47%
10 years (2015–2025)
+140%
+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
Smithville next to DeKalb 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
Smithville$194,200
DeKalb$235,500
Tennessee$286,700
United States$332,700
Typical monthly rent
Smithville$740
DeKalb$839
Tennessee$1,189
United States$1,413
Typical yearly household income
Smithville$33,192
DeKalb$53,153
Tennessee$69,595
United States$80,734
See the full table
Smithville next to DeKalb County and Tennessee
Measure
Smithville
DeKalb County
Tennessee
U.S.
Typical home value
$194,200 ▼18% below the county
$235,500
$286,700
$332,700
Typical monthly rent
$740 ▼12% below the county
$839
$1,189
$1,413
Typical yearly household income
$33,192 ▼38% below the county
$53,153
$69,595
$80,734
Households that own their home
55% ▼18 points below the county
73%
67%
65%
Typical yearly property tax
$736 ▼11% below the county
$824
$1,442
$3,119
Effective property tax rate
0.38% ▲0.03 points above the county
0.35%
0.5%
0.94%
Renters with high rent for their income
69% ▲8 points above the county
61%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below DeKalb 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 Smithville
For a typical $194,200 home in Smithville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Smithville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,520a month
Least cash to close
Down payment
$6,797
Cash to close
$12,623
Rate
7.18%
Mortgage insurance
FHA MIP · $86
Conventional, 5% down$1,484a month
Down payment
$9,710
Cash to close
$15,536
Rate
7.18%
Mortgage insurance
PMI · $92
Conventional, 20% down, no PMI$1,195a month
Down payment
$38,840
Cash to close
$44,666
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,374a month
Down payment
$29,130
Cash to close
$34,956
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Smithville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,520
$6,797
$190,683
7.18%
FHA MIP · $86
$12,623
580
Conventional, 5% down
$1,484
$9,710
$184,490
7.18%
PMI · $92
$15,536
620*
Conventional, 20% down, no PMI
$1,195
$38,840
$155,360
7.18%
None
$44,666
620*
ITIN, 15% down (example)
$1,374
$29,130
$165,070
8.18%
None
$34,956
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 Smithville and for DeKalb County.
Property tax
Effective rate in Smithville
0.38%of the home’s value each year
$736 a year for the typical owner in Smithville.
Smithville0.38%
DeKalb0.35%
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 Smithville is $740 a month: 12% below the county. In Smithville, 69% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of DeKalb County, by unit size. To pay the 2-bedroom one ($1,016 a month) without spending more than 30% of your income, you would need to earn $19.54 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 DeKalb County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$772
$14.85
$30,880
1 bedroom
$777
$14.94
$31,080
2 bedrooms
$1,016
$19.54
$40,640
3 bedrooms
$1,299
$24.98
$51,960
4 bedrooms
$1,698
$32.65
$67,920
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 Smithville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Smithville is in ZIP code 37166.
For 2 bedrooms it is $1,190: $174 more than the fair market rent for DeKalb County ($1,016).
Fair market rent by ZIP code and size in Smithville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
37166
$1,040
$1,060
$1,190
$1,500
$1,820
ZIP code2 bd3 bd
37166 $1,190$1,500
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Smithville 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)
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 DeKalb 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 Smithville or DeKalb County. The ones below are statewide in Tennessee: they work in Smithville 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 Smithville or DeKalb 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 Smithville and all of DeKalb 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 Smithville?
The typical home value in Smithville is $194,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in DeKalb County it is $235,500.
How much does it cost to rent in Smithville?
Typical rent in Smithville is $740 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in DeKalb County is $1,016.
What is the FHA loan limit in Smithville?
Smithville uses the FHA limit for all of DeKalb 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 Smithville?
The typical homeowner in Smithville pays $736 a year, according to the U.S. Census Bureau. That is 0.38% of the home’s value; in DeKalb County, the rate is 0.35%.
Where can I find free help to buy or rent in Smithville?
We found no HUD-approved counseling agencies with an office in DeKalb County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
