37738 — Sevier County, Tennessee Market Snapshot
Housing market data for zip code 37738 in Sevier County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
76 sales in 2026 (year to date)
Median Sale Price
$679,500
Days to Sell
62
Homes Sold
76
Inventory
313
Sale-to-List
95.3%
New Listings
203
Price/SqFt
$345
Pending Sales
87
Conforming Loan Available
The median home in 37738 at $679,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 62 days on average, 37738 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 37738 sells for 4.7% below asking price (95.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 37738 at $679,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 37738 are set at the county level.
2026 Loan Limits — Sevier 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 37738
To purchase the median home at $679,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,356.
Monthly Payment
$5,356
Income Required
$229,548
Principal & Interest
$4,187/mo
Down Payment (5%)
$33,975
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 37738.
Estimated Monthly Payment
$4,355
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