37146 — Robertson County, Tennessee Market Snapshot
Housing market data for zip code 37146 in Robertson County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
48 sales in 2026 (year to date)
Median Sale Price
$432,400
Days to Sell
78
Homes Sold
48
Inventory
89
Sale-to-List
99.0%
New Listings
80
Price/SqFt
$200
Pending Sales
52
Conforming Loan Available
Most homebuyers in 37146 can comfortably use conventional financing. The median home price of $432,400 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 78 days on average, 37146 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 37146 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 37146 can comfortably use conventional financing. The median home price of $432,400 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 37146 are set at the county level.
2026 Loan Limits — Robertson 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 37146
To purchase the median home at $432,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,463.
Monthly Payment
$3,463
Income Required
$148,410
Principal & Interest
$2,664/mo
Down Payment (5%)
$21,620
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 37146.
Estimated Monthly Payment
$2,826
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