37886 — Blount County, Tennessee Market Snapshot
Housing market data for zip code 37886 in Blount County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$453,500
Days to Sell
42
Homes Sold
12
Inventory
17
Sale-to-List
96.1%
New Listings
15
Price/SqFt
$221
Pending Sales
12
Conforming Loan Available
Most homebuyers in 37886 can comfortably use conventional financing. The median home price of $453,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
37886's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 37886 sells for 3.9% below asking price (96.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 37886 can comfortably use conventional financing. The median home price of $453,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 37886 are set at the county level.
2026 Loan Limits — Blount County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 37886
To purchase the median home at $453,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,625.
Monthly Payment
$3,625
Income Required
$155,339
Principal & Interest
$2,794/mo
Down Payment (5%)
$22,675
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 37886.
Estimated Monthly Payment
$2,957
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