37129 — Rutherford County, Tennessee Market Snapshot
Housing market data for zip code 37129 in Rutherford County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
275 sales in 2026 (year to date)
Median Sale Price
$452,000
Days to Sell
71
Homes Sold
275
Inventory
355
Sale-to-List
98.8%
New Listings
371
Price/SqFt
$221
Pending Sales
313
Conforming Loan Available
Most homebuyers in 37129 can comfortably use conventional financing. The median home price of $452,000 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 71 days on average, 37129 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 37129 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 37129 can comfortably use conventional financing. The median home price of $452,000 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 37129 are set at the county level.
2026 Loan Limits — Rutherford 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 37129
To purchase the median home at $452,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,613.
Monthly Payment
$3,613
Income Required
$154,846
Principal & Interest
$2,785/mo
Down Payment (5%)
$22,600
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 37129.
Estimated Monthly Payment
$2,947
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