37890 — Jefferson County, Tennessee Market Snapshot
Housing market data for zip code 37890 in Jefferson County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$313,375
Days to Sell
91
Homes Sold
16
Inventory
38
Sale-to-List
97.5%
New Listings
30
Price/SqFt
$191
Pending Sales
25
Conforming Loan Available
Most homebuyers in 37890 can comfortably use conventional financing. The median home price of $313,375 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 91 days on average, 37890 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 37890 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 37890 can comfortably use conventional financing. The median home price of $313,375 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 37890 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 37890
To purchase the median home at $313,375 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,551.
Monthly Payment
$2,551
Income Required
$109,328
Principal & Interest
$1,931/mo
Down Payment (5%)
$15,669
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 37890.
Estimated Monthly Payment
$2,089
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