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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Tennessee residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Tennessee, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Bartlett, Tennessee
- Payment to income ratio: 24.8%
- Median sale price: $326,489
- Median household income: $100,660
- Income needed to buy: $83,373
- Median monthly mortgage payment: $2,084
- See homes for sale in Bartlett on

#2. Germantown, Tennessee
- Payment to income ratio: 27.6%
- Median sale price: $521,370
- Median household income: $144,799
- Income needed to buy: $133,139
- Median monthly mortgage payment: $3,328
- See homes for sale in Germantown on

#3. Arlington, Tennessee
- Payment to income ratio: 28.1%
- Median sale price: $462,314
- Median household income: $125,909
- Income needed to buy: $118,058
- Median monthly mortgage payment: $2,951
- See homes for sale in Arlington on

#4. Collierville, Tennessee
- Payment to income ratio: 30.4%
- Median sale price: $533,430
- Median household income: $134,319
- Income needed to buy: $136,218
- Median monthly mortgage payment: $3,405
- See homes for sale in Collierville on

#5. Portland, Tennessee
- Payment to income ratio: 33.4%
- Median sale price: $315,130
- Median household income: $72,380
- Income needed to buy: $80,472
- Median monthly mortgage payment: $2,012
- See homes for sale in Portland on

#6. White House, Tennessee
- Payment to income ratio: 34.1%
- Median sale price: $388,954
- Median household income: $87,315
- Income needed to buy: $99,324
- Median monthly mortgage payment: $2,483
- See homes for sale in White House on

#7. Powell, Tennessee
- Payment to income ratio: 34.4%
- Median sale price: $383,209
- Median household income: $85,281
- Income needed to buy: $97,857
- Median monthly mortgage payment: $2,446
- See homes for sale in Powell on

#8. Lakeland, Tennessee
- Payment to income ratio: 35.2%
- Median sale price: $522,649
- Median household income: $113,843
- Income needed to buy: $133,465
- Median monthly mortgage payment: $3,337
- See homes for sale in Lakeland on

#9. Clarksville, Tennessee
- Payment to income ratio: 36.0%
- Median sale price: $313,479
- Median household income: $66,786
- Income needed to buy: $80,051
- Median monthly mortgage payment: $2,001
- See homes for sale in Clarksville on

#10. Dickson, Tennessee
- Payment to income ratio: 38.0%
- Median sale price: $342,499
- Median household income: $69,074
- Income needed to buy: $87,462
- Median monthly mortgage payment: $2,187
- See homes for sale in Dickson on

#11. La Vergne, Tennessee
- Payment to income ratio: 38.4%
- Median sale price: $403,518
- Median household income: $80,418
- Income needed to buy: $103,043
- Median monthly mortgage payment: $2,576
- See homes for sale in La Vergne on

#12. Farragut, Tennessee
- Payment to income ratio: 38.8%
- Median sale price: $720,843
- Median household income: $142,402
- Income needed to buy: $184,077
- Median monthly mortgage payment: $4,602
- See homes for sale in Farragut on

#13. Bristol, Tennessee
- Payment to income ratio: 39.0%
- Median sale price: $279,846
- Median household income: $55,007
- Income needed to buy: $71,462
- Median monthly mortgage payment: $1,787
- See homes for sale in Bristol on

#14. Maryville, Tennessee
- Payment to income ratio: 39.4%
- Median sale price: $407,777
- Median household income: $79,340
- Income needed to buy: $104,131
- Median monthly mortgage payment: $2,603
- See homes for sale in Maryville on

#15. Oak Ridge, Tennessee
- Payment to income ratio: 39.6%
- Median sale price: $366,887
- Median household income: $71,000
- Income needed to buy: $93,689
- Median monthly mortgage payment: $2,342
- See homes for sale in Oak Ridge on

#16. Spring Hill, Tennessee
- Payment to income ratio: 41.0%
- Median sale price: $571,071
- Median household income: $106,658
- Income needed to buy: $145,830
- Median monthly mortgage payment: $3,646
- See homes for sale in Spring Hill on

#17. Mount Juliet, Tennessee
- Payment to income ratio: 41.7%
- Median sale price: $586,366
- Median household income: $107,847
- Income needed to buy: $149,736
- Median monthly mortgage payment: $3,743
- See homes for sale in Mount Juliet on

#18. Millington, Tennessee
- Payment to income ratio: 43.8%
- Median sale price: $295,768
- Median household income: $51,695
- Income needed to buy: $75,528
- Median monthly mortgage payment: $1,888
- See homes for sale in Millington on

#19. Smyrna, Tennessee
- Payment to income ratio: 44.3%
- Median sale price: $453,677
- Median household income: $78,409
- Income needed to buy: $115,852
- Median monthly mortgage payment: $2,896
- See homes for sale in Smyrna on

#20. Hendersonville, Tennessee
- Payment to income ratio: 45.3%
- Median sale price: $540,928
- Median household income: $91,503
- Income needed to buy: $138,133
- Median monthly mortgage payment: $3,453
- See homes for sale in Hendersonville on