37046 — Marshall County, Tennessee Market Snapshot
Housing market data for zip code 37046 in Marshall County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
69 sales in 2026 (year to date)
Median Sale Price
$1,520,339
Days to Sell
80
Homes Sold
69
Inventory
90
Sale-to-List
98.6%
New Listings
71
Price/SqFt
$374
Pending Sales
55
Jumbo Loan Likely Needed
The median home in 37046 at $1,520,339 exceeds the 2026 conforming loan limit of $832,750 by $687,589. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 80 days on average, 37046 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
Homes are selling very close to asking price in 37046 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 37046 at $1,520,339 exceeds the 2026 conforming loan limit of $832,750 by $687,589. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 37046 are set at the county level.
2026 Loan Limits — Marshall 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 37046
To purchase the median home at $1,520,339 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $11,798.
Monthly Payment
$11,798
Income Required
$505,644
Principal & Interest
$9,368/mo
Down Payment (5%)
$76,017
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 37046.
Estimated Monthly Payment
$9,559
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 37046.
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