38506 — White County, Tennessee Market Snapshot
Housing market data for zip code 38506 in White County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
107 sales in 2026 (year to date)
Median Sale Price
$367,000
Days to Sell
85
Homes Sold
107
Inventory
185
Sale-to-List
97.4%
New Listings
167
Price/SqFt
$203
Pending Sales
149
Conforming Loan Available
Most homebuyers in 38506 can comfortably use conventional financing. The median home price of $367,000 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
With homes sitting for 85 days on average, 38506 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 38506 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 38506 can comfortably use conventional financing. The median home price of $367,000 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 38506 are set at the county level.
2026 Loan Limits — White 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 38506
To purchase the median home at $367,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,962.
Monthly Payment
$2,962
Income Required
$126,936
Principal & Interest
$2,261/mo
Down Payment (5%)
$18,350
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 38506.
Estimated Monthly Payment
$2,421
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