Total monthly cost of ownership
Cost to Own a Home in Brownsville, Tennessee
A $120,000 home here costs
$1,121per 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 $48,000 a year.
A standard mortgage calculator would have told you $654. The real number is $466 higher every month, 71% more than the payment most buyers budget for.
Compare Haywood County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Brownsville against Haywood County and Tennessee
| Measure | Brownsville | Haywood County |
|---|---|---|
| Median home value | $119,700 | $119,600 |
| Median property tax | $1,113 | $854 |
| Effective tax rate | 0.930% | 0.714% |
| Median gross rent | $737 | $725 |
| Population | 9,634 | 17,672 |
The weather behind that power bill
Brownsville sits in Haywood County, which averages a high of 90.7°F in its hottest month and a low of 29.9°F in its coldest, with 56.12" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,955 cooling and 3,399 heating degree days, which is what sets the $155 electricity line above.
See the full climate breakdown for Haywood County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Haywood County
No other places of this size are published in Haywood County.
Full Haywood County cost breakdown · Every county in Tennessee
Talk to someone who works this market
These are Brownsville 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 Brownsville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Brownsville I already own here and may sell
Common questions
How much does it cost to own a home in Brownsville?
A $120,000 home in Brownsville, Tennessee costs approximately $1,121 per month with 20% down at 7.24%. That is $654 principal and interest, $93 property tax, $51 homeowners insurance, $223 utilities and $100 set aside for maintenance.
What is the property tax rate in Brownsville?
Brownsville has an effective property tax rate of 0.930%, based on a median home value of $119,700 and median real estate taxes of $1,113. That is higher than the Haywood County average of 0.714%.
What is the average home price in Brownsville?
The median owner-occupied home value in Brownsville, Tennessee is $119,700, against $119,600 across Haywood County.
Is it cheaper to rent or buy in Brownsville?
Median gross rent in Brownsville is $737 a month, against $1,121 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Brownsville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Brownsville, Tennessee at today's rate takes a household income of roughly $48,000 a year. That covers the full $1,121 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Brownsville, 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.