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City · 55,765 residents · Maury County, Tennessee

Spring Hill , Tennessee

In Spring Hill, a typical home is worth $493,800 and typical rent is $1,844 a month. Compared with all of Maury County, typical household income is 47% higher and typical rent is 42% higher.

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  • Typical home value

    $493,800

    39% above the county

    72% above Tennessee

    • Spring Hill
    • Maury
    • Tennessee

  • Typical rent

    $1,844a month

    42% above the county

    55% above Tennessee

    • Spring Hill
    • Maury
    • Tennessee

  • Typical household income

    $112,013a year

    47% above the county

    61% above Tennessee

    • Spring Hill
    • Maury
    • Tennessee

  • Households that own their home

    73%

    3 points above the county

    6 points above Tennessee

    • Spring Hill
    • Maury
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$518,832
about the same as 12 months ago
Typical rent
$1,966 a month
2.2% more than 12 months ago

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

Spring Hill is in Maury 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 Maury County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Spring Hill apart

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

  1. The typical household income in Spring Hill is $112,013, 47% more than in Maury County as a whole ($76,130).

  2. Nearby, in Columbia, the typical home value is $308,700: 37% less than in Spring Hill ($493,800).

  3. The typical rent in Spring Hill is $1,844 a month, 42% more than in Maury County as a whole ($1,300).

  4. Nearby, in Columbia, the typical rent is $1,197: 35% less than in Spring Hill ($1,844).

  5. The typical home in Spring Hill is worth $493,800, 39% more than in Maury County as a whole ($355,700).

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

The homes here

Housing in Spring Hill

What homes there are in Spring Hill, 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

The detached house rules in Spring Hill: 76% of homes, more than in Maury County (72%).

Year built

Here half of the homes date from 2009 or later; in Maury County, from 1994 or later.

In Spring Hill, 81% of homes have 3 bedrooms or more, more than in Maury County (70%).

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

With a mortgage

$2,077 a month

Maury County: $1,666 a month

Without a mortgage

$603 a month

Maury County: $507 a month

Owners with a mortgage

80%

Maury County: 63%

The typical cost for an owner with a mortgage in Spring Hill is $2,077 a month, more than in Maury County ($1,666); without one, $603.

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

From 2015–2019 to 2020–2024, the typical home value in Spring Hill rose 72%; in Maury County, it rose 93%.

Since 2015–2019, the typical rent in Spring Hill rose 32%, less than in Maury County (45%).

Housing prices ran ahead of income in Spring Hill: typical income rose 23%, against +72% for home values and +32% 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

MeasureSpring HillMaury CountyTennesseeUnited States
Rental vacancy Unreliable estimate9.1%6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.4%2.2%3.4%
People per household 2.802.522.452.53
Drive alone 70%77%76%69%
Carpool 6%7%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 23%14%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.80 on average, against 2.52 in Maury County.

In Spring Hill, 23% of workers work from home, more than in Maury County (14%).

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 Spring Hill?

A typical home costs more than the typical income allows

We start with a typical home in Spring Hill, worth $493,800, 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 Spring Hill, which is $112,013 a year. For that payment to be 28% of income, a household would need to earn about $167,058 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Spring Hill. 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 $17,283 (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

$3,898

at 7.18% · 30 years

Loan amount
$484,856
Total interest
$697,594
Paid off in
November 2056

Includes $8,339 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,614 a month

  • Tight

    $2,614 to $3,360 a month

  • Hard

    more than $3,360 a month

    Your payment · 42%

Compared with the typical household income in Spring Hill ($112,013 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,898
Principal & interest$3,285
Property tax$189
Home insurance$206
FHA mortgage insurance (MIP)$218

You need at least $17,283 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

Spring Hill and Maury County

Spring Hill is in Maury 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).

Spring Hill's own numbers

Typical home value
$493,800
Typical monthly rent
$1,844
Typical yearly household income
$112,013
Households that own their home
73%
Effective property tax rate
0.46%

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

Numbers for all of Maury County

FHA limit, one-unit home
$1,029,250
Conventional limit, one unit
$1,029,250
HUD fair market rent, 2 bedrooms
$1,474
Price change over 5 years (FHFA)
+70%
Homes in a high flood-risk zone
1.5%

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 Maury County.

Everything about Maury County

Buying

Buying a home in Spring Hill

A typical home in Spring Hill is worth $493,800: 39% above the county and 72% above Tennessee. With the typical household income in Spring Hill ($112,013 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.

  • Spring Hill 4.4 years
  • Maury 4.7 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Maury County

According to FHFA’s house price index, home prices in Maury County rose 153% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +4.2% +2.4% +2.9%
5 years (2020–2025) +70% +60% +47%
10 years (2015–2025) +153% +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

Spring Hill next to Maury 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
  • Spring Hill $493,800
  • Maury $355,700
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Spring Hill $1,844
  • Maury $1,300
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Spring Hill $112,013
  • Maury $76,130
  • Tennessee $69,595
  • United States $80,734
See the full table
Spring Hill next to Maury County and Tennessee
Measure Spring Hill Maury County Tennessee U.S.
Typical home value $493,800 $355,700 $286,700 $332,700
Typical monthly rent $1,844 $1,300 $1,189 $1,413
Typical yearly household income $112,013 $76,130 $69,595 $80,734
Households that own their home 73% 71% 67% 65%
Typical yearly property tax $2,271 $1,588 $1,442 $3,119
Effective property tax rate 0.46% 0.45% 0.5% 0.94%
Renters with high rent for their income 42% 46% 49% 51%

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

For a typical $493,800 home in Spring Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Spring Hill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,898a month

    Least cash to close
    Down payment
    $17,283
    Cash to close
    $32,097
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $218

  • Conventional, 5% down $3,808a month

    Down payment
    $24,690
    Cash to close
    $39,504
    Rate
    7.18%
    Mortgage insurance
    PMI · $235

  • Conventional, 20% down, no PMI $3,071a month

    Down payment
    $98,760
    Cash to close
    $113,574
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,528a month

    Down payment
    $74,070
    Cash to close
    $88,884
    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 Spring Hill and for Maury County.

Property tax

Effective rate in Spring Hill

0.46%of the home’s value each year

$2,271 a year for the typical owner in Spring Hill.

  • Spring Hill 0.46%
  • Maury 0.45%
  • 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 Maury County

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

Homes in the high-risk zone
1.5%
552
Of those, with NFIP insurance
16%
County Tennessee U.S.
Homes in the high-risk zone 1.5% 1.6% 3.5%
Of those, with NFIP insurance 16% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Spring Hill

Typical rent in Spring Hill is $1,844 a month: 42% above the county. In Spring Hill, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Maury County, by unit size. To pay the 2-bedroom one ($1,474 a month) without spending more than 30% of your income, you would need to earn $28.35 an hour working full time.

HUD fair market rent for all of Maury 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 $1,300 $25.00 $52,000
1 bedroom $1,330 $25.58 $53,200
2 bedrooms $1,474 $28.35 $58,960
3 bedrooms $1,877 $36.10 $75,080
4 bedrooms $2,273 $43.71 $90,920

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 Spring Hill

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Spring Hill is in ZIP code 37174.

For 2 bedrooms it is $2,120: $646 more than the fair market rent for Maury County ($1,474).

  • 37174 $2,120$2,710

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

HUD lists one building with rents for lower incomes in Spring Hill.

  • Spring Hill Village 2593 Duplex Rd, Spring Hill 37174 32 low-income homes · 1 bd: 8 · 2 bd: 24 · In service since 2020

See all 15 buildings in Maury County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Spring Hill

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Spring Hill

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

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

  • Good Neighbor Foundation

    129 W Fowlkes St, Franklin · 12 miles away · Spanish

    Also serves in Arabic.

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 3 more
    (615) 610-4912

  • Life of Victory International Christian Ministries

    144 Bain Dr Ste 200, La Vergne · 25 miles away · Spanish

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

  • Operation Hope- Nashville Branch - First Bank

    1817 W End Ave, Nashville · 29 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (615) 768-9059

All counseling agencies in Tennessee

Help in Spanish near Spring Hill

2 of the 3 agencies on this list say they serve 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 Spring Hill

In HUD’s record, no housing authority with an office in Maury County is named for Spring Hill or Maury County.

2 other authorities have an office in Maury County: see the list Source: HUD

Cities

Other cities in Maury County

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

Everything about Maury County Housing in Tennessee

Nearby cities

The cities closest to Spring Hill, with the typical home value.

Neighboring counties

If Maury 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 Spring Hill.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Spring Hill

Short answers with the numbers for Spring Hill and all of Maury 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 Spring Hill?

The typical home value in Spring Hill is $493,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Maury County it is $355,700.

How much does it cost to rent in Spring Hill?

Typical rent in Spring Hill is $1,844 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Maury County is $1,474.

What is the FHA loan limit in Spring Hill?

Spring Hill uses the FHA limit for all of Maury 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 Spring Hill?

The typical homeowner in Spring Hill pays $2,271 a year, according to the U.S. Census Bureau. That is 0.46% of the home’s value; in Maury County, the rate is 0.45%.

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

We found no HUD-approved counseling agencies with an office in Maury 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).