37188 — Sumner County, Tennessee Market Snapshot
Housing market data for zip code 37188 in Sumner County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
172 sales in 2026 (year to date)
Median Sale Price
$374,950
Days to Sell
87
Homes Sold
172
Inventory
201
Sale-to-List
99.6%
New Listings
246
Price/SqFt
$208
Pending Sales
150
Conforming Loan Available
Most homebuyers in 37188 can comfortably use conventional financing. The median home price of $374,950 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
With homes sitting for 87 days on average, 37188 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 37188 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 37188 can comfortably use conventional financing. The median home price of $374,950 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 37188 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 37188
To purchase the median home at $374,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,023.
Monthly Payment
$3,023
Income Required
$129,546
Principal & Interest
$2,310/mo
Down Payment (5%)
$18,748
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 37188.
Estimated Monthly Payment
$2,470
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