37857 — Hawkins County, Tennessee Market Snapshot
Housing market data for zip code 37857 in Hawkins County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$247,450
Days to Sell
84
Homes Sold
46
Inventory
86
Sale-to-List
94.2%
New Listings
67
Price/SqFt
$161
Pending Sales
73
Conforming Loan Available
Most homebuyers in 37857 can comfortably use conventional financing. The median home price of $247,450 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 84 days on average, 37857 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 37857 sells for 5.8% below asking price (94.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 37857 can comfortably use conventional financing. The median home price of $247,450 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 37857 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 37857
To purchase the median home at $247,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,046.
Monthly Payment
$2,046
Income Required
$87,681
Principal & Interest
$1,525/mo
Down Payment (5%)
$12,373
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 37857.
Estimated Monthly Payment
$1,681
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 37857. Tell us what you're looking for.