37731 — Hawkins County, Tennessee Market Snapshot
Housing market data for zip code 37731 in Hawkins County, Tennessee. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Hawkins County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$512,499
Days to Sell
218
Homes Sold
2
Inventory
10
Conforming Loan Available
Most homebuyers in 37731 can comfortably use conventional financing. The median home price of $512,499 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 218 days on average, 37731 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 37731 can comfortably use conventional financing. The median home price of $512,499 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 37731 are set at the county level.
2026 Loan Limits — Hawkins 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 37731
To purchase the median home at $512,499 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,077.
Monthly Payment
$4,077
Income Required
$174,712
Principal & Interest
$3,158/mo
Down Payment (5%)
$25,625
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 37731.
Estimated Monthly Payment
$3,322
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