37725 — Jefferson County, Tennessee Market Snapshot
Housing market data for zip code 37725 in Jefferson County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
79 sales in 2026 (year to date)
Median Sale Price
$350,000
Days to Sell
42
Homes Sold
79
Inventory
144
Sale-to-List
96.3%
New Listings
145
Price/SqFt
$204
Pending Sales
111
Conforming Loan Available
Most homebuyers in 37725 can comfortably use conventional financing. The median home price of $350,000 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
37725's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 37725 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 37725 can comfortably use conventional financing. The median home price of $350,000 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 37725 are set at the county level.
2026 Loan Limits — Jefferson 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 37725
To purchase the median home at $350,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
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 37725.
Estimated Monthly Payment
$2,316
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