38483 — Giles County, Tennessee Market Snapshot
Housing market data for zip code 38483 in Giles County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$334,450
Days to Sell
177
Homes Sold
20
Inventory
46
Sale-to-List
98.4%
New Listings
35
Price/SqFt
$215
Pending Sales
31
Conforming Loan Available
Most homebuyers in 38483 can comfortably use conventional financing. The median home price of $334,450 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 177 days on average, 38483 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 38483 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 38483 can comfortably use conventional financing. The median home price of $334,450 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 38483 are set at the county level.
2026 Loan Limits — Giles 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 38483
To purchase the median home at $334,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,712.
Monthly Payment
$2,712
Income Required
$116,248
Principal & Interest
$2,061/mo
Down Payment (5%)
$16,723
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 38483.
Estimated Monthly Payment
$2,220
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