Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Tennessee
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Tennessee ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Lake County | 42.6% | $424 | $995 |
| 2 | Haywood County | 41.2% | $447 | $1,086 |
| 3 | Hardeman County | 41.2% | $436 | $1,060 |
| 4 | Perry County | 41.1% | $424 | $1,031 |
| 5 | Carroll County | 40.7% | $447 | $1,099 |
| 6 | Lauderdale County | 40.7% | $447 | $1,099 |
| 7 | Scott County | 40.5% | $424 | $1,048 |
| 8 | Benton County | 40.1% | $441 | $1,100 |
| 9 | Obion County | 40.1% | $438 | $1,093 |
| 10 | Hancock County | 39.9% | $419 | $1,049 |
| 11 | Wayne County | 39.5% | $442 | $1,118 |
| 12 | Crockett County | 39.5% | $466 | $1,182 |
| 13 | Clay County | 39.0% | $468 | $1,199 |
| 14 | Cocke County | 38.8% | $480 | $1,237 |
| 15 | Polk County | 38.8% | $462 | $1,190 |
| 16 | Weakley County | 38.7% | $459 | $1,186 |
| 17 | Decatur County | 38.6% | $449 | $1,163 |
| 18 | Jackson County | 38.5% | $452 | $1,173 |
| 19 | Gibson County | 38.4% | $499 | $1,298 |
| 20 | Morgan County | 38.3% | $477 | $1,245 |
| 21 | Grundy County | 38.2% | $440 | $1,153 |
| 22 | Houston County | 37.8% | $486 | $1,288 |
| 23 | Henry County | 37.6% | $467 | $1,242 |
| 24 | Claiborne County | 37.4% | $473 | $1,263 |
| 25 | Dyer County | 37.3% | $507 | $1,358 |
| 26 | Chester County | 37.2% | $491 | $1,319 |
| 27 | Carter County | 37.0% | $493 | $1,332 |
| 28 | Lewis County | 36.8% | $490 | $1,333 |
| 29 | Van Buren County | 36.8% | $463 | $1,259 |
| 30 | Shelby County | 36.7% | $712 | $1,938 |
| 31 | Henderson County | 36.7% | $483 | $1,316 |
| 32 | Hardin County | 36.6% | $475 | $1,297 |
| 33 | Hawkins County | 36.6% | $514 | $1,405 |
| 34 | McNairy County | 36.6% | $465 | $1,271 |
| 35 | Unicoi County | 36.5% | $517 | $1,415 |
| 36 | Fentress County | 36.2% | $460 | $1,270 |
| 37 | Grainger County | 35.9% | $514 | $1,433 |
| 38 | Lawrence County | 35.8% | $526 | $1,469 |
| 39 | Sullivan County | 35.7% | $566 | $1,585 |
| 40 | Pickett County | 35.7% | $480 | $1,346 |
| 41 | Bledsoe County | 35.7% | $490 | $1,373 |
| 42 | Madison County | 35.6% | $561 | $1,574 |
| 43 | Warren County | 35.4% | $509 | $1,437 |
| 44 | Marion County | 35.4% | $508 | $1,435 |
| 45 | Stewart County | 35.4% | $535 | $1,510 |
| 46 | Campbell County | 35.3% | $493 | $1,398 |
| 47 | Rhea County | 35.3% | $519 | $1,472 |
| 48 | Hickman County | 35.2% | $558 | $1,583 |
| 49 | Overton County | 35.2% | $498 | $1,415 |
| 50 | Humphreys County | 34.9% | $535 | $1,533 |
| 51 | Johnson County | 34.9% | $502 | $1,439 |
| 52 | Hamblen County | 34.7% | $535 | $1,543 |
| 53 | Greene County | 34.6% | $527 | $1,522 |
| 54 | Anderson County | 34.5% | $608 | $1,760 |
| 55 | Meigs County | 34.4% | $519 | $1,510 |
| 56 | White County | 34.4% | $532 | $1,548 |
| 57 | Union County | 34.3% | $520 | $1,514 |
| 58 | Roane County | 34.2% | $590 | $1,724 |
| 59 | Franklin County | 34.2% | $598 | $1,750 |
| 60 | Monroe County | 34.1% | $551 | $1,617 |
| 61 | Coffee County | 34.0% | $626 | $1,840 |
| 62 | Giles County | 34.0% | $562 | $1,651 |
| 63 | McMinn County | 34.0% | $524 | $1,540 |
| 64 | Lincoln County | 33.8% | $571 | $1,687 |
| 65 | Montgomery County | 33.8% | $677 | $2,002 |
| 66 | Jefferson County | 33.8% | $572 | $1,693 |
| 67 | Tipton County | 33.8% | $599 | $1,774 |
| 68 | Washington County | 33.5% | $623 | $1,860 |
| 69 | Sequatchie County | 33.3% | $582 | $1,744 |
| 70 | Macon County | 33.3% | $563 | $1,690 |
| 71 | Bradley County | 33.2% | $614 | $1,846 |
| 72 | DeKalb County | 33.2% | $548 | $1,651 |
| 73 | Smith County | 33.2% | $595 | $1,793 |
| 74 | Cannon County | 33.1% | $603 | $1,818 |
| 75 | Marshall County | 33.0% | $646 | $1,960 |
| 76 | Hamilton County | 32.9% | $737 | $2,243 |
| 77 | Putnam County | 32.8% | $644 | $1,961 |
| 78 | Bedford County | 32.4% | $653 | $2,015 |
| 79 | Moore County | 32.1% | $656 | $2,040 |
| 80 | Cumberland County | 31.9% | $570 | $1,788 |
| 81 | Dickson County | 31.9% | $682 | $2,138 |
| 82 | Blount County | 31.8% | $688 | $2,159 |
| 83 | Knox County | 31.5% | $688 | $2,181 |
| 84 | Cheatham County | 31.5% | $715 | $2,271 |
| 85 | Robertson County | 31.5% | $727 | $2,311 |
| 86 | Trousdale County | 31.0% | $682 | $2,199 |
| 87 | Maury County | 30.9% | $735 | $2,376 |
| 88 | Sevier County | 30.9% | $620 | $2,005 |
| 89 | Loudon County | 30.6% | $690 | $2,252 |
| 90 | Davidson County | 30.6% | $910 | $2,974 |
| 91 | Rutherford County | 30.4% | $807 | $2,656 |
| 92 | Sumner County | 30.3% | $845 | $2,788 |
| 93 | Fayette County | 29.7% | $714 | $2,401 |
| 94 | Wilson County | 29.1% | $869 | $2,989 |
| 95 | Williamson County | 26.7% | $1,312 | $4,909 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Tennessee