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Back in 2014, spending $500,000 on a house was generally reserved for high earners. The typical U.S. home sold for $159,000, while starter homes averaged just $101,000. Fast-forward to today, and prices have more than doubled: A home now sells for $440,000, with starter homes approaching $300,000. 

These current prices have put homeownership out of reach for many – and things don't look to be improving. Prices are still , affordability keeps dropping, and are becoming harder to find as home values . This has created a very sluggish and difficult housing market. In fact, even the usual busy spring and summer buying seasons were this year.

While $500,000 once stretched much further, in many cities today, it's not nearly enough. But what about Cleveland, Tennessee?

To find out, found listings near the $500,000 mark to see what types of homes you can actually afford in Cleveland, Tennessee right now. Listings below $500,000 were included if necessary.

252 River Run Rd, Calhoun, TN 37309
- Price: $500,000
- 5 bedrooms, 3 bathrooms
- Square feet: 2,627
- See 252 River Run Rd, Calhoun, TN 37309 on

2095 Church St Ne, Cleveland, TN 37311
- Price: $478,900
- 5 bedrooms, 3 bathrooms
- Square feet: 1,899
- See 2095 Church St Ne, Cleveland, TN 37311 on

144 Highland Dr, Benton, TN 37307
- Price: $499,000
- 4 bedrooms, 4 bathrooms
- Square feet: 2,788
- See 144 Highland Dr, Benton, TN 37307 on

2267 Old Parksville Rd Ne, Cleveland, TN 37323
- Price: $499,000
- 4 bedrooms, 3.5 bathrooms
- Square feet: 3,000
- See 2267 Old Parksville Rd Ne, Cleveland, TN 37323 on

1886 Preservation Dr Ne, Cleveland, TN 37323
- Price: $499,900
- 4 bedrooms, 3.5 bathrooms
- Square feet: 2,607
- See 1886 Preservation Dr Ne, Cleveland, TN 37323 on

5698 Avenwood Cir Nw, Cleveland, TN 37312
- Price: $499,900
- 4 bedrooms, 3.5 bathrooms
- Square feet: 2,466
- See 5698 Avenwood Cir Nw, Cleveland, TN 37312 on

4193 Bates Pike Se, Cleveland, TN 37323
- Price: $489,900
- 4 bedrooms, 3 bathrooms
- Square feet: 2,666
- See 4193 Bates Pike Se, Cleveland, TN 37323 on

136 Red Fox Ln Nw, Cleveland, TN 37312
- Price: $494,500
- 4 bedrooms, 3 bathrooms
- Square feet: 2,295
- See 136 Red Fox Ln Nw, Cleveland, TN 37312 on

248 Old Charleston Rd Ne, Cleveland, TN 37312
- Price: $469,900
- 4 bedrooms, 3 bathrooms
- Square feet: 1,890
- See 248 Old Charleston Rd Ne, Cleveland, TN 37312 on

364 Cherokee Trl, Copperhill, TN 37317
- Price: $475,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 3,570
- See 364 Cherokee Trl, Copperhill, TN 37317 on

143 Rolling Wood Trl Ne, Cleveland, TN 37312
- Price: $490,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 2,864
- See 143 Rolling Wood Trl Ne, Cleveland, TN 37312 on

3024 22Nd St Nw, Cleveland, TN 37312
- Price: $499,500
- 4 bedrooms, 2.5 bathrooms
- Square feet: 2,660
- See 3024 22Nd St Nw, Cleveland, TN 37312 on

110 Dakota Dr Ne, Cleveland, TN 37323
- Price: $489,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 2,590
- See 110 Dakota Dr Ne, Cleveland, TN 37323 on

309 Colony Ln Nw, Cleveland, TN 37312
- Price: $489,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 2,454
- See 309 Colony Ln Nw, Cleveland, TN 37312 on

5069 Shelterwood Dr Ne, Cleveland, TN 37312
- Price: $470,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 2,372
- See 5069 Shelterwood Dr Ne, Cleveland, TN 37312 on

491 Thoroughbred Dr Nw, Cleveland, TN 37312
- Price: $499,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 2,306
- See 491 Thoroughbred Dr Nw, Cleveland, TN 37312 on

2804 Old Freewill Rd Nw, Cleveland, TN 37312
- Price: $459,900
- 4 bedrooms, 2.5 bathrooms
- Square feet: 2,142
- See 2804 Old Freewill Rd Nw, Cleveland, TN 37312 on

5126 Ella Ln Nw, Cleveland, TN 37312
- Price: $489,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 1,950
- See 5126 Ella Ln Nw, Cleveland, TN 37312 on

5230 State Pl Nw, Cleveland, TN 37312
- Price: $489,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 1,950
- See 5230 State Pl Nw, Cleveland, TN 37312 on

131 Luke Rd Ne, Cleveland, TN 37323
- Price: $499,900
- 4 bedrooms, 2 bathrooms
- Square feet: 2,247
- See 131 Luke Rd Ne, Cleveland, TN 37323 on

114 Fairhill Dr Ne, Cleveland, TN 37323
- Price: $465,000
- 4 bedrooms, 2 bathrooms
- Square feet: 2,092
- See 114 Fairhill Dr Ne, Cleveland, TN 37323 on

267 Farner Rd, Farner, TN 37333
- Price: $494,900
- 4 bedrooms, 2 bathrooms
- Square feet: 1,736
- See 267 Farner Rd, Farner, TN 37333 on

168 Morning Glory Ln Ne, Cleveland, TN 37323
- Price: $474,900
- 3 bedrooms, 3 bathrooms
- Square feet: 2,242
- See 168 Morning Glory Ln Ne, Cleveland, TN 37323 on

1732 Brookwood Dr Ne, Cleveland, TN 37323
- Price: $500,000
- 3 bedrooms, 2.5 bathrooms
- Square feet: 2,888
- See 1732 Brookwood Dr Ne, Cleveland, TN 37323 on

120 Jordan Dr Se, Cleveland, TN 37323
- Price: $469,500
- 3 bedrooms, 2.5 bathrooms
- Square feet: 2,631
- See 120 Jordan Dr Se, Cleveland, TN 37323 on

3111 Stargazer Ct Nw, Cleveland, TN 37312
- Price: $499,900
- 3 bedrooms, 2.5 bathrooms
- Square feet: 2,508
- See 3111 Stargazer Ct Nw, Cleveland, TN 37312 on

253 15Th St Nw, Cleveland, TN 37311
- Price: $484,000
- 3 bedrooms, 2.5 bathrooms
- Square feet: 2,234
- See 253 15Th St Nw, Cleveland, TN 37311 on

188 Northside Dr, Copperhill, TN 37317
- Price: $465,000
- 3 bedrooms, 2.5 bathrooms
- Square feet: 2,150
- See 188 Northside Dr, Copperhill, TN 37317 on

2719 Ridge Park Dr Ne, Cleveland, TN 37311
- Price: $485,000
- 3 bedrooms, 2.5 bathrooms
- Square feet: 1,800
- See 2719 Ridge Park Dr Ne, Cleveland, TN 37311 on

275 Country Place Dr Nw, Cleveland, TN 37312
- Price: $485,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,833
- See 275 Country Place Dr Nw, Cleveland, TN 37312 on