Total monthly cost of ownership
Cost to Own a Home in White House, Tennessee
A $311,000 home here costs
$2,340per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,599. The real number is $742 higher every month — 46% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
White House against Sumner County and Tennessee
| Measure | White House | Sumner County |
|---|---|---|
| Median home value | $311,200 | $364,000 |
| Median property tax | $1,843 | $1,944 |
| Effective tax rate | 0.592% | 0.534% |
| Median gross rent | $1,362 | $1,339 |
| Population | 13,875 | 200,553 |
White House extends across 2 counties. Figures here use Sumner County, where most of its housing sits.
The weather behind that power bill
White House sits in Sumner County, which averages a high of 87.7°F in its hottest month and a low of 25.3°F in its coldest, with 54.96" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,289 cooling and 4,293 heating degree days, which is what sets the $130 electricity line above.
See the full climate breakdown for Sumner County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sumner County
Full Sumner County cost breakdown · Every county in Tennessee
Common questions
How much does it cost to own a home in White House?
A $311,000 home in White House, Tennessee costs approximately $2,340 per month with 20% down at 6.66%. That is $1,599 principal and interest, $153 property tax, $131 homeowners insurance, $198 utilities and $259 set aside for maintenance.
What is the property tax rate in White House?
White House has an effective property tax rate of 0.592%, based on a median home value of $311,200 and median real estate taxes of $1,843. That is higher than the Sumner County average of 0.534%.
What is the average home price in White House?
The median owner-occupied home value in White House, Tennessee is $311,200, against $364,000 across Sumner County.
Is it cheaper to rent or buy in White House?
Median gross rent in White House is $1,362 a month, against $2,340 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for White House — 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.