37601 — Unicoi County, Tennessee Market Snapshot
Housing market data for zip code 37601 in Unicoi County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$214,500
Days to Sell
53
Homes Sold
16
Inventory
24
Sale-to-List
96.0%
New Listings
23
Price/SqFt
$131
Pending Sales
25
Conforming Loan Available
Most homebuyers in 37601 can comfortably use conventional financing. The median home price of $214,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
37601's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 37601 sells for 4.0% below asking price (96.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 37601 can comfortably use conventional financing. The median home price of $214,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 37601 are set at the county level.
2026 Loan Limits — Unicoi 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 37601
To purchase the median home at $214,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,793.
Monthly Payment
$1,793
Income Required
$76,861
Principal & Interest
$1,322/mo
Down Payment (5%)
$10,725
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 37601.
Estimated Monthly Payment
$1,477
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