38567 — Smith County, Tennessee Market Snapshot
Housing market data for zip code 38567 in Smith County, Tennessee. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Smith County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$214,400
Days to Sell
5
Homes Sold
1
Inventory
3
Conforming Loan Available
Most homebuyers in 38567 can comfortably use conventional financing. The median home price of $214,400 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
38567 is an extremely competitive market with homes selling in just 5 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 38567 can comfortably use conventional financing. The median home price of $214,400 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 38567 are set at the county level.
2026 Loan Limits — Smith 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 38567
To purchase the median home at $214,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,793.
Monthly Payment
$1,793
Income Required
$76,828
Principal & Interest
$1,321/mo
Down Payment (5%)
$10,720
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 38567.
Estimated Monthly Payment
$1,477
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