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City · 19,255 residents · Robertson County, Tennessee

Springfield , Tennessee

In Springfield, a typical home is worth $253,600 and typical rent is $1,139 a month. Compared with all of Robertson County, typical household income is 28% lower, the typical home value is 24% lower, and the share of households that own their home is 22 points lower.

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  • Typical home value

    $253,600

    24% below the county

    12% below Tennessee

    • Springfield
    • Robertson
    • Tennessee

  • Typical rent

    $1,139a month

    5% below the county

    4% below Tennessee

    • Springfield
    • Robertson
    • Tennessee

  • Typical household income

    $59,465a year

    28% below the county

    15% below Tennessee

    • Springfield
    • Robertson
    • Tennessee

  • Households that own their home

    56%

    22 points below the county

    11 points below Tennessee

    • Springfield
    • Robertson
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$329,765
about the same as 12 months ago
Typical rent
$1,534 a month
1.4% less than 12 months ago

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

Springfield is in Robertson 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 Robertson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Springfield apart

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

  1. 56% of households in Springfield own their home, against 78% in Robertson County.

  2. The typical household income in Springfield is $59,465, 28% less than in Robertson County as a whole ($83,047).

  3. The typical home in Springfield is worth $253,600, 24% less than in Robertson County as a whole ($335,000).

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

The homes here

Housing in Springfield

What homes there are in Springfield, 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 Springfield, 7 in 10 homes are single-family detached houses; in Robertson County, 8.

Year built

In Springfield, half of the homes were built before 1987; in Robertson County, before 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
Monthly rent with utilities

About 85% of rented homes in Springfield cost less than HUD's 2-bedroom fair market rent for Robertson County ($1,798).

With a mortgage

$1,427 a month

Robertson County: $1,656 a month

Without a mortgage

$439 a month

Robertson County: $507 a month

Owners with a mortgage

65%

Robertson County: 66%

Owning costs less in Springfield: with a mortgage, the typical cost is $1,427 a month; in Robertson County, $1,656. Without one, $439.

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 Springfield gained value more slowly than in Robertson County: 64% since 2015–2019, against 72%.

The typical rent in Springfield rose 36% since 2015–2019, about the same as in Robertson County (34%).

Here income did not keep up with housing: it rose 27%, while home values changed +64% and rent +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

MeasureSpringfieldRobertson CountyTennesseeUnited States
Rental vacancy Unreliable estimate4.5%6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room 5.0%2.4%2.2%3.4%
People per household 2.692.652.452.53
Drive alone 82%79%76%69%
Carpool 9%7%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 6%12%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Springfield: 5.0% have more than one person per room; in Robertson County, 2.4%.

A household in Springfield has 2.69 people on average, about the same as in Robertson County (2.65).

To get to work, 82% of workers in Springfield drive alone; in Robertson 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 Springfield?

A typical home costs more than the typical income allows

We start with a typical home in Springfield, worth $253,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Springfield, which is $59,465 a year. For that payment to be 28% of income, a household would need to earn about $86,249 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Springfield. 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 $8,876 (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

$2,012

at 7.18% · 30 years

Loan amount
$249,007
Total interest
$358,262
Paid off in
November 2056

Includes $4,283 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,388 a month

  • Tight

    $1,388 to $1,784 a month

  • Hard

    more than $1,784 a month

    Your payment · 41%

Compared with the typical household income in Springfield ($59,465 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,012
Principal & interest$1,687
Property tax$108
Home insurance$106
FHA mortgage insurance (MIP)$112

You need at least $8,876 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

Springfield and Robertson County

Springfield is in Robertson 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).

Springfield's own numbers

Typical home value
$253,600
Typical monthly rent
$1,139
Typical yearly household income
$59,465
Households that own their home
56%
Effective property tax rate
0.51%

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

Numbers for all of Robertson 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)
+57%
Homes in a high flood-risk zone
0.5%

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 Robertson County.

Everything about Robertson County

Buying

Buying a home in Springfield

A typical home in Springfield is worth $253,600: 24% below the county and 12% below Tennessee. With the typical household income in Springfield ($59,465 a year), a typical home costs 4.3 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.

  • Springfield 4.3 years
  • Robertson 4.0 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Robertson County

According to FHFA’s house price index, home prices in Robertson County rose 121% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +2.1% +2.4% +2.9%
5 years (2020–2025) +57% +60% +47%
10 years (2015–2025) +121% +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

Springfield next to Robertson 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
  • Springfield $253,600
  • Robertson $335,000
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Springfield $1,139
  • Robertson $1,199
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Springfield $59,465
  • Robertson $83,047
  • Tennessee $69,595
  • United States $80,734
See the full table
Springfield next to Robertson County and Tennessee
Measure Springfield Robertson County Tennessee U.S.
Typical home value $253,600 $335,000 $286,700 $332,700
Typical monthly rent $1,139 $1,199 $1,189 $1,413
Typical yearly household income $59,465 $83,047 $69,595 $80,734
Households that own their home 56% 78% 67% 65%
Typical yearly property tax $1,298 $1,577 $1,442 $3,119
Effective property tax rate 0.51% 0.47% 0.5% 0.94%
Renters with high rent for their income 47% 48% 49% 51%

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

For a typical $253,600 home in Springfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Springfield's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,012a month

    Least cash to close
    Down payment
    $8,876
    Cash to close
    $16,484
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $112

  • Conventional, 5% down $1,966a month

    Down payment
    $12,680
    Cash to close
    $20,288
    Rate
    7.18%
    Mortgage insurance
    PMI · $120

  • Conventional, 20% down, no PMI $1,588a month

    Down payment
    $50,720
    Cash to close
    $58,328
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,822a month

    Down payment
    $38,040
    Cash to close
    $45,648
    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 Springfield and for Robertson County.

Property tax

Effective rate in Springfield

0.51%of the home’s value each year

$1,298 a year for the typical owner in Springfield.

  • Springfield 0.51%
  • Robertson 0.47%
  • 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 Robertson County

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

Homes in the high-risk zone
0.5%
129
Of those, with NFIP insurance
18%
County Tennessee U.S.
Homes in the high-risk zone 0.5% 1.6% 3.5%
Of those, with NFIP insurance 18% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Springfield

Typical rent in Springfield is $1,139 a month: 5% below the county. In Springfield, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Robertson 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 Robertson 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 Springfield

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Springfield is in ZIP code 37172.

For 2 bedrooms it is $1,440: $358 less than the fair market rent for Robertson County ($1,798).

  • 37172 $1,440$1,850

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

HUD lists 5 buildings with rents for lower incomes in Springfield. These are the largest.

  • Carden Heights 812 Central Ave W, Springfield 37172 382 homes, 364 low-income · Run by Springfield Housing Authority · Average payment: $334 a month · Average wait: 3 months (615) 384-4591
  • Cumberland Square 100 Southfield Dr, Springfield 37172 100 homes, 99 low-income · For families (615) 384-0599
  • 17th Street Apts 2565 17th Ave E, Springfield 37172 96 low-income homes · 2 bd: 56 · 3 bd: 40 · In service since 2004 · For families
  • Mckendree at Springfield 1103 5th Ave W, Springfield 37172 56 homes, 55 low-income · For older adults
  • Country Place Apts 2599 S Main St, Springfield 37172 39 low-income homes · 1 bd: 12 · 2 bd: 23 · 3 bd: 4 · In service since 1995 · For families

See all 8 buildings in Robertson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Springfield

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 Robertson 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 Springfield

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

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

  • William Franklin Buchanan CDC

    4121 Clarksville Pike, Nashville · 19 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (615) 669-2454

  • Affordable Housing Resources of Nashville, Inc

    1 Vantage Way Ste C130, Nashville · 21 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (615) 251-0025

  • Aaa Residential Resources, Inc.

    604 Gallatin Ave Ste 103, Nashville · 23 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (615) 650-9779

All counseling agencies in Tennessee

Help in Spanish near Springfield

None 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 Springfield

HUD’s record names them for Springfield or Robertson 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 Robertson County

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

Everything about Robertson County Housing in Tennessee

Nearby cities

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

Neighboring counties

If Robertson 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 Springfield.

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

Questions

Housing questions about Springfield

Short answers with the numbers for Springfield and all of Robertson 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 Springfield?

The typical home value in Springfield is $253,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Robertson County it is $335,000.

How much does it cost to rent in Springfield?

Typical rent in Springfield is $1,139 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Robertson County is $1,798.

What is the FHA loan limit in Springfield?

Springfield uses the FHA limit for all of Robertson 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 Springfield?

The typical homeowner in Springfield pays $1,298 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in Robertson County, the rate is 0.47%.

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

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