37743 — Cocke County, Tennessee Market Snapshot
Housing market data for zip code 37743 in Cocke County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
88 sales in 2026 (year to date)
Median Sale Price
$298,125
Days to Sell
65
Homes Sold
88
Inventory
122
Sale-to-List
96.6%
New Listings
114
Price/SqFt
$163
Pending Sales
114
Conforming Loan Available
Most homebuyers in 37743 can comfortably use conventional financing. The median home price of $298,125 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 65 days on average, 37743 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
The average home in 37743 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 37743 can comfortably use conventional financing. The median home price of $298,125 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 37743 are set at the county level.
2026 Loan Limits — Cocke 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 37743
To purchase the median home at $298,125 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,434.
Monthly Payment
$2,434
Income Required
$104,320
Principal & Interest
$1,837/mo
Down Payment (5%)
$14,906
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 37743.
Estimated Monthly Payment
$1,995
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