37312 — Bradley County, Tennessee Market Snapshot
Housing market data for zip code 37312 in Bradley County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$252,500
Days to Sell
136
Homes Sold
27
Inventory
42
Sale-to-List
98.1%
New Listings
28
Price/SqFt
$181
Pending Sales
15
Conforming Loan Available
Most homebuyers in 37312 can comfortably use conventional financing. The median home price of $252,500 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
With homes sitting for 136 days on average, 37312 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 37312 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 37312 can comfortably use conventional financing. The median home price of $252,500 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 37312 are set at the county level.
2026 Loan Limits — Bradley 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 37312
To purchase the median home at $252,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,085.
Monthly Payment
$2,085
Income Required
$89,339
Principal & Interest
$1,556/mo
Down Payment (5%)
$12,625
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 37312.
Estimated Monthly Payment
$1,713
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