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City · 56,692 residents · Rutherford County, Tennessee

Smyrna , Tennessee

In Smyrna, a typical home is worth $358,300 and typical rent is $1,461 a month. Compared with all of Rutherford County, the typical home value is 6% lower and the share of households that own their home is 7 points lower.

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  • Typical home value

    $358,300

    6% below the county

    25% above Tennessee

    • Smyrna
    • Rutherford
    • Tennessee

  • Typical rent

    $1,461a month

    3% below the county

    23% above Tennessee

    • Smyrna
    • Rutherford
    • Tennessee

  • Typical household income

    $81,926a year

    4% below the county

    18% above Tennessee

    • Smyrna
    • Rutherford
    • Tennessee

  • Households that own their home

    57%

    7 points below the county

    10 points below Tennessee

    • Smyrna
    • Rutherford
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$400,537
0.8% less than 12 months ago
Typical rent
$1,712 a month
2.4% more than 12 months ago

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

Smyrna is in Rutherford 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 Rutherford County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Smyrna apart

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

  1. 57% of households in Smyrna own their home, against 65% in Rutherford County.

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

The homes here

Housing in Smyrna

What homes there are in Smyrna, 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 houses are the majority in Smyrna (61%), but less so than in Rutherford County (68%).

Year built

By age, homes in Smyrna look like those in Rutherford County: the typical year built is 2000.

There are fewer big homes in Smyrna than in Rutherford County: 66% have 3 bedrooms or more, against 71%.

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

HUD's 2-bedroom fair market rent (FMR) for Rutherford County is $1,798; about 73% of rents in Smyrna are below it.

With a mortgage

$1,616 a month

Rutherford County: $1,745 a month

Without a mortgage

$451 a month

Rutherford County: $499 a month

Owners with a mortgage

73%

Rutherford County: 70%

The typical cost for an owner with a mortgage in Smyrna is $1,616 a month, less than in Rutherford County ($1,745); without one, $451.

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 Smyrna gained value faster than in Rutherford County: 89% against 80%.

The typical rent in Smyrna rose 41% since 2015–2019, about the same as in Rutherford County (41%).

Housing prices ran ahead of income in Smyrna: typical income rose 31%, against +89% for home values and +41% for rent.

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

MeasureSmyrnaRutherford CountyTennesseeUnited States
Rental vacancy 3.6%6.5%6.1%5.5%
Homeowner vacancy Unreliable estimate1.0%0.9%0.9%
More than one person per room 4.6%2.8%2.2%3.4%
People per household 2.792.752.452.53
Drive alone 73%73%76%69%
Carpool 12%10%8%9%
Public transit Unreliable estimate0%0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 13%15%13%15%
Other means 2%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Smyrna is 3.6%, lower than in Rutherford County (6.5%).

More households are short on space in Smyrna: 4.6% have more than one person per room; in Rutherford County, 2.8%.

Much as in Rutherford County, a household in Smyrna has 2.79 people on average.

The car rules in Smyrna: 73% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Smyrna?

A typical home costs more than the typical income allows

We start with a typical home in Smyrna, worth $358,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Smyrna, which is $81,926 a year. For that payment to be 28% of income, a household would need to earn about $121,601 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Smyrna. 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 $12,541 (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

$2,837

at 7.18% · 30 years

Loan amount
$351,810
Total interest
$506,172
Paid off in
November 2056

Includes $6,051 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,912 a month

  • Tight

    $1,912 to $2,458 a month

  • Hard

    more than $2,458 a month

    Your payment · 42%

Compared with the typical household income in Smyrna ($81,926 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,837
Principal & interest$2,383
Property tax$146
Home insurance$149
FHA mortgage insurance (MIP)$158

You need at least $12,541 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

Smyrna and Rutherford County

Smyrna is in Rutherford 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).

Smyrna's own numbers

Typical home value
$358,300
Typical monthly rent
$1,461
Typical yearly household income
$81,926
Households that own their home
57%
Effective property tax rate
0.49%

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

Numbers for all of Rutherford 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)
+59%
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 Rutherford County.

Everything about Rutherford County

Buying

Buying a home in Smyrna

A typical home in Smyrna is worth $358,300: 6% below the county and 25% above Tennessee. With the typical household income in Smyrna ($81,926 a year), a typical home costs 4.4 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.

  • Smyrna 4.4 years
  • Rutherford 4.5 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Rutherford County

According to FHFA’s house price index, home prices in Rutherford County rose 131% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +0.0% +2.4% +2.9%
5 years (2020–2025) +59% +60% +47%
10 years (2015–2025) +131% +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

Smyrna next to Rutherford 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
  • Smyrna $358,300
  • Rutherford $382,600
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Smyrna $1,461
  • Rutherford $1,502
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Smyrna $81,926
  • Rutherford $85,470
  • Tennessee $69,595
  • United States $80,734
See the full table
Smyrna next to Rutherford County and Tennessee
Measure Smyrna Rutherford County Tennessee U.S.
Typical home value $358,300 $382,600 $286,700 $332,700
Typical monthly rent $1,461 $1,502 $1,189 $1,413
Typical yearly household income $81,926 $85,470 $69,595 $80,734
Households that own their home 57% 65% 67% 65%
Typical yearly property tax $1,764 $1,839 $1,442 $3,119
Effective property tax rate 0.49% 0.48% 0.5% 0.94%
Renters with high rent for their income 49% 52% 49% 51%

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

For a typical $358,300 home in Smyrna, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Smyrna's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,837a month

    Least cash to close
    Down payment
    $12,541
    Cash to close
    $23,290
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $158

  • Conventional, 5% down $2,772a month

    Down payment
    $17,915
    Cash to close
    $28,664
    Rate
    7.18%
    Mortgage insurance
    PMI · $170

  • Conventional, 20% down, no PMI $2,237a month

    Down payment
    $71,660
    Cash to close
    $82,409
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,569a month

    Down payment
    $53,745
    Cash to close
    $64,494
    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 Smyrna and for Rutherford County.

Property tax

Effective rate in Smyrna

0.49%of the home’s value each year

$1,764 a year for the typical owner in Smyrna.

  • Smyrna 0.49%
  • Rutherford 0.48%
  • 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 Rutherford County

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

Homes in the high-risk zone
2%
2,009
Of those, with NFIP insurance
35%
County Tennessee U.S.
Homes in the high-risk zone 2% 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 Smyrna

Typical rent in Smyrna is $1,461 a month: 3% below the county. In Smyrna, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Rutherford 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 Rutherford 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 Smyrna

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Smyrna is in ZIP code 37167.

For 2 bedrooms it is $1,650: $148 less than the fair market rent for Rutherford County ($1,798).

  • 37167 $1,650$2,120

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

HUD lists 6 buildings with rents for lower incomes in Smyrna. These are the largest.

  • Imperial Garden Apartments 1 Imperial Blvd, Smyrna 37167 300 low-income homes · 1 bd: 80 · 2 bd: 176 · 3 bd: 44 · In service since 2016 · For people with disabilities, families (615) 459-0999
  • The Park at Leigh Springs 100 Ashton Cir, Smyrna 37167 100 low-income homes · 1 bd: 12 · 2 bd: 80 · 3 bd: 8 · In service since 2013 · For people with disabilities, families
  • Meadow Wood Apts 600 Nissan Dr, Smyrna 37167 88 low-income homes · 2 bd: 16 · 3 bd: 72 · In service since 1992 · For people with disabilities, families
  • Colony Square Apartments 500A Rock Springs Rd, Smyrna 37167 80 low-income homes · For families (615) 459-2949
  • Colony Square Apts 500 Rock Springs Rd, Smyrna 37167 80 low-income homes · 1 bd: 8 · 2 bd: 56 · 3 bd: 16 · In service since 2008

See all 25 buildings in Rutherford County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Smyrna

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 are 3 HUD-approved agencies with an office in Rutherford County; 1 says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Smyrna

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

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

  • Dominion Financial Management

    661 Fitzhugh Blvd, Smyrna · 3 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 6 more
    615-220-5858x111

  • You Can Make It Home Ownership Center, Inc.

    660 Fitzhugh Blvd Ste 105, Smyrna · 3 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (615) 355-0005

  • Life of Victory International Christian Ministries

    144 Bain Dr Ste 200, La Vergne · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (615) 213-1468

Every agency in Rutherford County All counseling agencies in Tennessee

Help in Spanish near Smyrna

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 Smyrna

In HUD’s record, no housing authority with an office in Rutherford County is named for Smyrna or Rutherford County.

One other authority has an office in Rutherford County: see the list Source: HUD

Cities

Other cities in Rutherford County

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

Everything about Rutherford County Housing in Tennessee

Nearby cities

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

Neighboring counties

If Rutherford 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 Smyrna.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Smyrna

Short answers with the numbers for Smyrna and all of Rutherford 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 Smyrna?

The typical home value in Smyrna is $358,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rutherford County it is $382,600.

How much does it cost to rent in Smyrna?

Typical rent in Smyrna is $1,461 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rutherford County is $1,798.

What is the FHA loan limit in Smyrna?

Smyrna uses the FHA limit for all of Rutherford 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 Smyrna?

The typical homeowner in Smyrna pays $1,764 a year, according to the U.S. Census Bureau. That is 0.49% of the home’s value; in Rutherford County, the rate is 0.48%.

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

There are 3 HUD-approved counseling agencies with an office in Rutherford County. 1 says it serves in Spanish. 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).