Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Tennessee
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Tennessee ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Williamson County | 26.7% | $1,312 | $4,909 |
| 2 | Wilson County | 29.1% | $869 | $2,989 |
| 3 | Fayette County | 29.7% | $714 | $2,401 |
| 4 | Sumner County | 30.3% | $845 | $2,788 |
| 5 | Rutherford County | 30.4% | $807 | $2,656 |
| 6 | Davidson County | 30.6% | $910 | $2,974 |
| 7 | Loudon County | 30.6% | $690 | $2,252 |
| 8 | Sevier County | 30.9% | $620 | $2,005 |
| 9 | Maury County | 30.9% | $735 | $2,376 |
| 10 | Trousdale County | 31.0% | $682 | $2,199 |
| 11 | Robertson County | 31.5% | $727 | $2,311 |
| 12 | Cheatham County | 31.5% | $715 | $2,271 |
| 13 | Knox County | 31.5% | $688 | $2,181 |
| 14 | Blount County | 31.8% | $688 | $2,159 |
| 15 | Dickson County | 31.9% | $682 | $2,138 |
| 16 | Cumberland County | 31.9% | $570 | $1,788 |
| 17 | Moore County | 32.1% | $656 | $2,040 |
| 18 | Bedford County | 32.4% | $653 | $2,015 |
| 19 | Putnam County | 32.8% | $644 | $1,961 |
| 20 | Hamilton County | 32.9% | $737 | $2,243 |
| 21 | Marshall County | 33.0% | $646 | $1,960 |
| 22 | Cannon County | 33.1% | $603 | $1,818 |
| 23 | Smith County | 33.2% | $595 | $1,793 |
| 24 | DeKalb County | 33.2% | $548 | $1,651 |
| 25 | Bradley County | 33.2% | $614 | $1,846 |
| 26 | Macon County | 33.3% | $563 | $1,690 |
| 27 | Sequatchie County | 33.3% | $582 | $1,744 |
| 28 | Washington County | 33.5% | $623 | $1,860 |
| 29 | Tipton County | 33.8% | $599 | $1,774 |
| 30 | Jefferson County | 33.8% | $572 | $1,693 |
| 31 | Montgomery County | 33.8% | $677 | $2,002 |
| 32 | Lincoln County | 33.8% | $571 | $1,687 |
| 33 | McMinn County | 34.0% | $524 | $1,540 |
| 34 | Giles County | 34.0% | $562 | $1,651 |
| 35 | Coffee County | 34.0% | $626 | $1,840 |
| 36 | Monroe County | 34.1% | $551 | $1,617 |
| 37 | Franklin County | 34.2% | $598 | $1,750 |
| 38 | Roane County | 34.2% | $590 | $1,724 |
| 39 | Union County | 34.3% | $520 | $1,514 |
| 40 | White County | 34.4% | $532 | $1,548 |
| 41 | Meigs County | 34.4% | $519 | $1,510 |
| 42 | Anderson County | 34.5% | $608 | $1,760 |
| 43 | Greene County | 34.6% | $527 | $1,522 |
| 44 | Hamblen County | 34.7% | $535 | $1,543 |
| 45 | Johnson County | 34.9% | $502 | $1,439 |
| 46 | Humphreys County | 34.9% | $535 | $1,533 |
| 47 | Overton County | 35.2% | $498 | $1,415 |
| 48 | Hickman County | 35.2% | $558 | $1,583 |
| 49 | Rhea County | 35.3% | $519 | $1,472 |
| 50 | Campbell County | 35.3% | $493 | $1,398 |
| 51 | Stewart County | 35.4% | $535 | $1,510 |
| 52 | Marion County | 35.4% | $508 | $1,435 |
| 53 | Warren County | 35.4% | $509 | $1,437 |
| 54 | Madison County | 35.6% | $561 | $1,574 |
| 55 | Bledsoe County | 35.7% | $490 | $1,373 |
| 56 | Pickett County | 35.7% | $480 | $1,346 |
| 57 | Sullivan County | 35.7% | $566 | $1,585 |
| 58 | Lawrence County | 35.8% | $526 | $1,469 |
| 59 | Grainger County | 35.9% | $514 | $1,433 |
| 60 | Fentress County | 36.2% | $460 | $1,270 |
| 61 | Unicoi County | 36.5% | $517 | $1,415 |
| 62 | McNairy County | 36.6% | $465 | $1,271 |
| 63 | Hawkins County | 36.6% | $514 | $1,405 |
| 64 | Hardin County | 36.6% | $475 | $1,297 |
| 65 | Henderson County | 36.7% | $483 | $1,316 |
| 66 | Shelby County | 36.7% | $712 | $1,938 |
| 67 | Van Buren County | 36.8% | $463 | $1,259 |
| 68 | Lewis County | 36.8% | $490 | $1,333 |
| 69 | Carter County | 37.0% | $493 | $1,332 |
| 70 | Chester County | 37.2% | $491 | $1,319 |
| 71 | Dyer County | 37.3% | $507 | $1,358 |
| 72 | Claiborne County | 37.4% | $473 | $1,263 |
| 73 | Henry County | 37.6% | $467 | $1,242 |
| 74 | Houston County | 37.8% | $486 | $1,288 |
| 75 | Grundy County | 38.2% | $440 | $1,153 |
| 76 | Morgan County | 38.3% | $477 | $1,245 |
| 77 | Gibson County | 38.4% | $499 | $1,298 |
| 78 | Jackson County | 38.5% | $452 | $1,173 |
| 79 | Decatur County | 38.6% | $449 | $1,163 |
| 80 | Weakley County | 38.7% | $459 | $1,186 |
| 81 | Polk County | 38.8% | $462 | $1,190 |
| 82 | Cocke County | 38.8% | $480 | $1,237 |
| 83 | Clay County | 39.0% | $468 | $1,199 |
| 84 | Crockett County | 39.5% | $466 | $1,182 |
| 85 | Wayne County | 39.5% | $442 | $1,118 |
| 86 | Hancock County | 39.9% | $419 | $1,049 |
| 87 | Obion County | 40.1% | $438 | $1,093 |
| 88 | Benton County | 40.1% | $441 | $1,100 |
| 89 | Scott County | 40.5% | $424 | $1,048 |
| 90 | Lauderdale County | 40.7% | $447 | $1,099 |
| 91 | Carroll County | 40.7% | $447 | $1,099 |
| 92 | Perry County | 41.1% | $424 | $1,031 |
| 93 | Hardeman County | 41.2% | $436 | $1,060 |
| 94 | Haywood County | 41.2% | $447 | $1,086 |
| 95 | Lake County | 42.6% | $424 | $995 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Tennessee