Español

Este sitio también está en español. Leer en español

City · 21,103 residents · Coffee County, Tennessee

Tullahoma , Tennessee

In Tullahoma, a typical home is worth $251,900 and typical rent is $886 a month. Home values, rent and income are very close to those of all of Coffee County.

WhatsApp

  • Typical home value

    $251,900

    2% above the county

    12% below Tennessee

    • Tullahoma
    • Coffee
    • Tennessee

  • Typical rent

    $886a month

    3% below the county

    25% below Tennessee

    • Tullahoma
    • Coffee
    • Tennessee

  • Typical household income

    $60,979a year

    About the same as the county

    12% below Tennessee

    • Tullahoma
    • Coffee
    • Tennessee

  • Households that own their home

    64%

    5 points below the county

    3 points below Tennessee

    • Tullahoma
    • Coffee
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$292,803
1.9% more than 12 months ago
Typical rent
$1,478 a month

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

Tullahoma is in Coffee 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 Coffee County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Tullahoma apart

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

  1. Nearby, in McMinnville, the typical home value is $182,200: 28% less than in Tullahoma ($251,900).

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

The homes here

Housing in Tullahoma

What homes there are in Tullahoma, 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 Tullahoma, 7 in 10 homes are single-family detached houses, about the same as in Coffee County.

Year built

In Tullahoma, half of the homes were built before 1977; in Coffee County, before 1986.

There are fewer big homes in Tullahoma than in Coffee County: 69% have 3 bedrooms or more, against 73%.

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

By price, most homes in Tullahoma sit under the FHA limit for Coffee County ($541,287): about 95%.

Monthly rent with utilities

By rent, most homes in Tullahoma cost less than HUD's 2-bedroom fair market rent ($1,088): about 70%.

With a mortgage

$1,548 a month

Coffee County: $1,426 a month

Without a mortgage

$476 a month

Coffee County: $433 a month

Owners with a mortgage

58%

Coffee County: 53%

Owning costs more in Tullahoma: with a mortgage, the typical cost is $1,548 a month; in Coffee County, $1,426. Without one, $476.

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

The typical home value in Tullahoma rose 72% since 2015–2019, about the same as in Coffee County (74%).

The typical rent in Tullahoma rose 17% over the same time; in Coffee County, it rose 24%.

The typical household income in Tullahoma rose 25% over that time; home values changed +72% and rent +17%.

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

MeasureTullahomaCoffee CountyTennesseeUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.5%2.2%3.4%
People per household 2.472.562.452.53
Drive alone 83%79%76%69%
Carpool 7%10%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 7%9%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Tullahoma look like those in Coffee County: 2.47 people on average.

To get to work, 83% of workers in Tullahoma drive alone; in Coffee 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 Tullahoma?

A typical home costs more than the typical income allows

We start with a typical home in Tullahoma, worth $251,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Tullahoma, which is $60,979 a year. For that payment to be 28% of income, a household would need to earn about $87,110 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Tullahoma. 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 $8,817 (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

$2,033

at 7.18% · 30 years

Loan amount
$247,337
Total interest
$355,860
Paid off in
November 2056

Includes $4,254 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,423 a month

  • Tight

    $1,423 to $1,829 a month

  • Hard

    more than $1,829 a month

    Your payment · 40%

Compared with the typical household income in Tullahoma ($60,979 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,033
Principal & interest$1,676
Property tax$141
Home insurance$105
FHA mortgage insurance (MIP)$111

You need at least $8,817 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

Tullahoma and Coffee County

Tullahoma is in Coffee 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).

Tullahoma's own numbers

Typical home value
$251,900
Typical monthly rent
$886
Typical yearly household income
$60,979
Households that own their home
64%
Effective property tax rate
0.67%

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

Numbers for all of Coffee County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,088
Price change over 5 years (FHFA)
+72%
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 Coffee County.

Everything about Coffee County

Buying

Buying a home in Tullahoma

A typical home in Tullahoma is worth $251,900: 2% above the county and 12% below Tennessee. With the typical household income in Tullahoma ($60,979 a year), a typical home costs 4.1 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.

  • Tullahoma 4.1 years
  • Coffee 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 Coffee County

According to FHFA’s house price index, home prices in Coffee County rose 132% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) +3.6% +2.4% +2.9%
5 years (2020–2025) +72% +60% +47%
10 years (2015–2025) +132% +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

Tullahoma next to Coffee 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
  • Tullahoma $251,900
  • Coffee $246,800
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Tullahoma $886
  • Coffee $913
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Tullahoma $60,979
  • Coffee $61,505
  • Tennessee $69,595
  • United States $80,734
See the full table
Tullahoma next to Coffee County and Tennessee
Measure Tullahoma Coffee County Tennessee U.S.
Typical home value $251,900 $246,800 $286,700 $332,700
Typical monthly rent $886 $913 $1,189 $1,413
Typical yearly household income $60,979 $61,505 $69,595 $80,734
Households that own their home 64% 69% 67% 65%
Typical yearly property tax $1,684 $1,407 $1,442 $3,119
Effective property tax rate 0.67% 0.57% 0.5% 0.94%
Renters with high rent for their income 47% 39% 49% 51%

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

For a typical $251,900 home in Tullahoma, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Tullahoma's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,033a month

    Least cash to close
    Down payment
    $8,817
    Cash to close
    $16,374
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $111

  • Conventional, 5% down $1,986a month

    Down payment
    $12,595
    Cash to close
    $20,152
    Rate
    7.18%
    Mortgage insurance
    PMI · $120

  • Conventional, 20% down, no PMI $1,611a month

    Down payment
    $50,380
    Cash to close
    $57,937
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,844a month

    Down payment
    $37,785
    Cash to close
    $45,342
    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 Tullahoma and for Coffee County.

Property tax

Effective rate in Tullahoma

0.67%of the home’s value each year

$1,684 a year for the typical owner in Tullahoma.

  • Tullahoma 0.67%
  • Coffee 0.57%
  • 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 Coffee County

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

Homes in the high-risk zone
1.5%
345
Of those, with NFIP insurance
18%
County Tennessee U.S.
Homes in the high-risk zone 1.5% 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 Tullahoma

Typical rent in Tullahoma is $886 a month: 3% below the county. In Tullahoma, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Coffee County, by unit size. To pay the 2-bedroom one ($1,088 a month) without spending more than 30% of your income, you would need to earn $20.92 an hour working full time.

HUD fair market rent for all of Coffee 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 $873 $16.79 $34,920
1 bedroom $928 $17.85 $37,120
2 bedrooms $1,088 $20.92 $43,520
3 bedrooms $1,453 $27.94 $58,120
4 bedrooms $1,459 $28.06 $58,360

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 Tullahoma

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Tullahoma is in ZIP code 37388.

For 2 bedrooms it is $1,080: $8 less than the fair market rent for Coffee County ($1,088).

  • 37388 $1,080$1,440

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

HUD lists 7 buildings with rents for lower incomes in Tullahoma. These are the largest.

  • Dossett Homes 410 E Moore St, Tullahoma 37388 270 homes, 269 low-income · Run by Tullahoma Housing Authority · Average payment: $327 a month · Average wait: 18 months (931) 455-9319
  • Ada Ferrell Garden Apts 141 Silver St, Tullahoma 37388 213 low-income homes · 1 bd: 48 · 2 bd: 104 · 3 bd: 57 · 4 bd: 4 · In service since 2006 · For people with disabilities, families
  • Ada Ferrell/Eastgate 186 Freeman St, Tullahoma 37388 212 low-income homes · For families (931) 455-4157
  • Franklin Place 1015 S Franklin St, Tullahoma 37388 89 homes, 88 low-income · For families (931) 455-7522
  • Briarwood Apts - Tullahoma 121 Silver St, Tullahoma 37388 72 low-income homes · 2 bd: 56 · 3 bd: 16 · In service since 2004 · For families

See all 12 buildings in Coffee County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Tullahoma

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Tullahoma

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

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

  • Dominion Financial Management

    661 Fitzhugh Blvd, Smyrna · 47 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 · 47 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 · 48 miles away · Spanish

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

All counseling agencies in Tennessee

Help in Spanish near Tullahoma

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 Tullahoma

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

  • Tullahoma Housing Authority Public housing and Section 8 vouchers (931) 455-9319

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

Cities

Other cities in Coffee County

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

Everything about Coffee County Housing in Tennessee

Nearby cities

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

Neighboring counties

If Coffee 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 Tullahoma.

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

Questions

Housing questions about Tullahoma

Short answers with the numbers for Tullahoma and all of Coffee 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 Tullahoma?

The typical home value in Tullahoma is $251,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Coffee County it is $246,800.

How much does it cost to rent in Tullahoma?

Typical rent in Tullahoma is $886 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Coffee County is $1,088.

What is the FHA loan limit in Tullahoma?

Tullahoma uses the FHA limit for all of Coffee 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 Tullahoma?

The typical homeowner in Tullahoma pays $1,684 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Coffee County, the rate is 0.57%.

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

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