38574 — Cumberland County, Tennessee Market Snapshot
Housing market data for zip code 38574 in Cumberland County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$439,900
Days to Sell
124
Homes Sold
37
Inventory
62
Sale-to-List
96.2%
New Listings
52
Price/SqFt
$230
Pending Sales
38
Conforming Loan Available
Most homebuyers in 38574 can comfortably use conventional financing. The median home price of $439,900 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 124 days on average, 38574 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 38574 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 38574 can comfortably use conventional financing. The median home price of $439,900 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 38574 are set at the county level.
2026 Loan Limits — Cumberland 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 38574
To purchase the median home at $439,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,520.
Monthly Payment
$3,520
Income Required
$150,873
Principal & Interest
$2,711/mo
Down Payment (5%)
$21,995
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 38574.
Estimated Monthly Payment
$2,872
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