Total monthly cost of ownership
Cost to Own a Home in Adamsville, Tennessee
A $188,000 home here costs
$1,550per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $66,500 a year.
A standard mortgage calculator would have told you $1,025. The real number is $525 higher every month, 51% more than the payment most buyers budget for.
Compare Hardin County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Adamsville from a five-year rolling sample, and with about 2,621 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Hardin County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Adamsville against Hardin County and Tennessee
| Measure | Adamsville | Hardin County |
|---|---|---|
| Median home value | $188,000 | $154,000 |
| Median property tax | $797 | $666 |
| Effective tax rate | 0.424% | 0.432% |
| Median gross rent | — | $770 |
| Population | 2,621 | 26,939 |
Adamsville extends across 2 counties. Figures here use Hardin County, where most of its housing sits.
The weather behind that power bill
Adamsville sits in Hardin County, which averages a high of 91.3°F in its hottest month and a low of 30.3°F in its coldest, with 59.18" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,930 cooling and 3,157 heating degree days, which is what sets the $155 electricity line above.
See the full climate breakdown for Hardin County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Hardin County
Full Hardin County cost breakdown · Every county in Tennessee
Talk to someone who works this market
These are Adamsville averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Adamsville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Adamsville I already own here and may sell
Common questions
How much does it cost to own a home in Adamsville?
A $188,000 home in Adamsville, Tennessee costs approximately $1,550 per month with 20% down at 7.24%. That is $1,025 principal and interest, $66 property tax, $79 homeowners insurance, $223 utilities and $157 set aside for maintenance.
What is the property tax rate in Adamsville?
Adamsville has an effective property tax rate of 0.424%, based on a median home value of $188,000 and median real estate taxes of $797. That is in line with the Hardin County average of 0.432%.
What is the average home price in Adamsville?
The median owner-occupied home value in Adamsville, Tennessee is $188,000, against $154,000 across Hardin County.
Is it cheaper to rent or buy in Adamsville?
Rent data is not published for Adamsville at this level of detail.
What salary do you need to buy a home in Adamsville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Adamsville, Tennessee at today's rate takes a household income of roughly $66,500 a year. That covers the full $1,550 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Adamsville, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Tennessee.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.