38001 — Crockett County, Tennessee Market Snapshot
Housing market data for zip code 38001 in Crockett 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
$223,200
Days to Sell
94
Homes Sold
12
Inventory
9
Sale-to-List
95.6%
New Listings
12
Price/SqFt
$133
Pending Sales
18
Conforming Loan Available
Most homebuyers in 38001 can comfortably use conventional financing. The median home price of $223,200 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 94 days on average, 38001 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 38001 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 38001 can comfortably use conventional financing. The median home price of $223,200 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 38001 are set at the county level.
2026 Loan Limits — Crockett 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 38001
To purchase the median home at $223,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,860.
Monthly Payment
$1,860
Income Required
$79,718
Principal & Interest
$1,375/mo
Down Payment (5%)
$11,160
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 38001.
Estimated Monthly Payment
$1,531
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