Rutherford County, Tennessee: What It Costs to Buy a Home
The median home in Rutherford County is worth $346,400, property taxes on it run about $1,757 a year (0.51%), the FHA loan limit is $1,029,250, and closing on it means about $1,282 in transfer tax plus $2,079 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $346,400 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $1,757 a year, 0.51% of value | Property tax page → |
| FHA loan limit (1 unit) | $1,029,250 | Loan limits page → |
| Conforming loan limit (1 unit) | $1,029,250 | Loan limits page → |
| Transfer tax on the median home | $1,282 | Tennessee transfer tax page → |
| Title insurance on the median home | $2,029 owner's + $50 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $94 | Recording fees page → |
| Closing costs from these items | $3,455 | Closing costs page → |
| Area median income (HUD, family of 4) | $116,100; low-income limit $92,900 | Income limits page → |
Frequently asked questions
How much do homes cost in Rutherford County?
The median owner-occupied home in Rutherford County is valued at $346,400, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Rutherford County?
The median Rutherford County homeowner pays $1,757 a year in real estate taxes, about 0.51% of the median home value ($1,770 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Rutherford County?
$1,029,250 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $1,029,250, per FHFA.
What does it cost to close on a home in Rutherford County?
On the $346,400 median home: transfer tax $1,282, title insurance $2,079 for both policies, recording fees about $94, about $3,455 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Rutherford County?
HUD's FY 2026 median family income for Rutherford County (Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR Area) is $116,100. A family of four counts as low income below $92,900 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Tennessee counties
- Rhea County $178,500
- Roane County $212,300
- Robertson County $296,700
- Scott County $116,800
- Sequatchie County $217,800
- Sevier County $259,500
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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