Total monthly cost of ownership
Cost to Own a Home in Crump, Tennessee
A $144,000 home here costs
$1,236per 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 $53,000 a year.
A standard mortgage calculator would have told you $785. The real number is $451 higher every month, 57% 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 Crump from a five-year rolling sample, and with about 1,240 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.
Crump against Hardin County and Tennessee
| Measure | Crump | Hardin County |
|---|---|---|
| Median home value | $144,400 | $154,000 |
| Median property tax | $568 | $666 |
| Effective tax rate | 0.393% | 0.432% |
| Median gross rent | $848 | $770 |
| Population | 1,240 | 26,939 |
The weather behind that power bill
Crump 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 Crump 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 Crump every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Crump?
A $144,000 home in Crump, Tennessee costs approximately $1,236 per month with 20% down at 7.24%. That is $785 principal and interest, $47 property tax, $61 homeowners insurance, $223 utilities and $120 set aside for maintenance.
What is the property tax rate in Crump?
Crump has an effective property tax rate of 0.393%, based on a median home value of $144,400 and median real estate taxes of $568. That is lower than the Hardin County average of 0.432%.
What is the average home price in Crump?
The median owner-occupied home value in Crump, Tennessee is $144,400, against $154,000 across Hardin County.
Is it cheaper to rent or buy in Crump?
Median gross rent in Crump is $848 a month, against $1,236 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 Crump?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Crump, Tennessee at today's rate takes a household income of roughly $53,000 a year. That covers the full $1,236 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Crump, 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.