37072 — Sumner County, Tennessee Market Snapshot
Housing market data for zip code 37072 in Sumner County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
90 sales in 2026 (year to date)
Median Sale Price
$434,950
Days to Sell
56
Homes Sold
90
Inventory
122
Sale-to-List
97.1%
New Listings
141
Price/SqFt
$214
Pending Sales
107
Conforming Loan Available
Most homebuyers in 37072 can comfortably use conventional financing. The median home price of $434,950 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
37072's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 37072 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 37072 can comfortably use conventional financing. The median home price of $434,950 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 37072 are set at the county level.
2026 Loan Limits — Sumner 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 37072
To purchase the median home at $434,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,482.
Monthly Payment
$3,482
Income Required
$149,248
Principal & Interest
$2,680/mo
Down Payment (5%)
$21,748
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 37072.
Estimated Monthly Payment
$2,842
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