38313 — Henderson County, Tennessee Market Snapshot
Housing market data for zip code 38313 in Henderson County, Tennessee. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Henderson County county page for broader data.
Market Sales Data
3 sales in 2026 (year to date)
Median Sale Price
$449,900
Days to Sell
44
Homes Sold
3
Inventory
9
Conforming Loan Available
Most homebuyers in 38313 can comfortably use conventional financing. The median home price of $449,900 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
38313's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 38313 can comfortably use conventional financing. The median home price of $449,900 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 38313 are set at the county level.
2026 Loan Limits — Henderson 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 38313
To purchase the median home at $449,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,597.
Monthly Payment
$3,597
Income Required
$154,157
Principal & Interest
$2,772/mo
Down Payment (5%)
$22,495
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 38313.
Estimated Monthly Payment
$2,934
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