37074 — Macon County, Tennessee Market Snapshot
Housing market data for zip code 37074 in Macon County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$402,000
Days to Sell
129
Homes Sold
37
Inventory
36
Sale-to-List
97.6%
New Listings
33
Price/SqFt
$231
Pending Sales
35
Conforming Loan Available
Most homebuyers in 37074 can comfortably use conventional financing. The median home price of $402,000 is well below the 2026 conforming loan limit of $1,029,250, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 129 days on average, 37074 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 37074 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 37074 can comfortably use conventional financing. The median home price of $402,000 is well below the 2026 conforming loan limit of $1,029,250, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 37074 are set at the county level.
2026 Loan Limits — Macon County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,029,250 | $1,029,250 |
| 2 Units | $1,317,650 | $1,317,650 |
| 3 Units | $1,592,700 | $1,592,700 |
| 4 Units | $1,979,350 | $1,979,350 |
Affordability Snapshot — Zip 37074
To purchase the median home at $402,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,230.
Monthly Payment
$3,230
Income Required
$138,429
Principal & Interest
$2,477/mo
Down Payment (5%)
$20,100
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 37074.
Estimated Monthly Payment
$2,638
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