38469 — Lawrence County, Tennessee Market Snapshot
Housing market data for zip code 38469 in Lawrence County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$260,000
Days to Sell
117
Homes Sold
12
Inventory
30
Sale-to-List
96.5%
New Listings
21
Price/SqFt
$181
Pending Sales
22
Conforming Loan Available
Most homebuyers in 38469 can comfortably use conventional financing. The median home price of $260,000 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
With homes sitting for 117 days on average, 38469 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 38469 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 38469 can comfortably use conventional financing. The median home price of $260,000 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 38469 are set at the county level.
2026 Loan Limits — Lawrence 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 38469
To purchase the median home at $260,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,142.
Monthly Payment
$2,142
Income Required
$91,802
Principal & Interest
$1,602/mo
Down Payment (5%)
$13,000
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 38469.
Estimated Monthly Payment
$1,759
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