Tennessee mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Davidson County | 7,456 | 6.375% | $6,260 | 6.125% |
| Shelby County | 5,931 | 6.375% | $6,418 | 6.125% |
| Knox County | 5,869 | 6.49% | $6,968 | 6.125% |
| Rutherford County | 4,370 | 6.375% | $7,861 | 6.125% |
| Hamilton County | 4,126 | 6.5% | $6,056 | 6.125% |
| Montgomery County | 4,023 | 6.15% | $7,477 | 5.99% |
| Williamson County | 3,491 | 6.49% | $6,735 | 6.125% |
| Sumner County | 3,022 | 6.375% | $7,130 | 6.125% |
| Wilson County | 2,621 | 6.25% | $6,492 | 6.125% |
| Sullivan County | 1,881 | 6.625% | $5,613 | 6.25% |
| Blount County | 1,781 | 6.5% | $7,151 | 6.125% |
| Maury County | 1,771 | 6.375% | $6,475 | 6.25% |
| Washington County | 1,496 | 6.5% | $5,600 | 6.25% |
| Robertson County | 1,179 | 6.375% | $6,432 | 6.194% |
| Bradley County | 1,169 | 6.49% | $6,410 | 6.25% |
| Loudon County | 922 | 6.5% | $7,136 | 6.25% |
| Anderson County | 886 | 6.5% | $6,527 | 6.125% |
| Sevier County | 820 | 6.562% | $7,070 | 6.25% |
| Madison County | 813 | 6.5% | $5,024 | 6.375% |
| Greene County | 791 | 6.625% | $6,470 | 6.25% |
| Roane County | 764 | 6.5% | $7,525 | 6.125% |
| Putnam County | 752 | 6.5% | $6,171 | 6.25% |
| Dickson County | 710 | 6.49% | $7,355 | 6.125% |
| Jefferson County | 654 | 6.5% | $7,572 | 6.225% |
| Cumberland County | 647 | 6.625% | $5,391 | 6.25% |
| Fayette County | 645 | 6.25% | $6,539 | 6.125% |
| McMinn County | 633 | 6.5% | $6,614 | 6.25% |
| Coffee County | 626 | 6.49% | $7,175 | 6.125% |
| Hamblen County | 622 | 6.5% | $7,565 | 6.124% |
| Tipton County | 602 | 6.25% | $6,797 | 6.25% |
| Marshall County | 563 | 6.374% | $6,952 | 6.125% |
| Cheatham County | 552 | 6.25% | $6,980 | 6.126% |
| Bedford County | 542 | 6.5% | $8,091 | 6.25% |
| Hawkins County | 535 | 6.625% | $6,669 | 6.375% |
| Gibson County | 521 | 6.5% | $5,677 | 6.25% |
| Monroe County | 503 | 6.525% | $7,783 | 6.125% |
| Carter County | 481 | 6.625% | $5,796 | 6.25% |
| Lawrence County | 426 | 6.5% | $8,110 | 6.375% |
| Franklin County | 410 | 6.375% | $6,324 | 6.25% |
| Lincoln County | 369 | 6.375% | $6,787 | 6.25% |
| Warren County | 362 | 6.5% | $7,229 | 6.375% |
| Campbell County | 350 | 6.625% | $6,537 | 6.25% |
| Macon County | 337 | 6.625% | $7,628 | 6.25% |
| Rhea County | 327 | 6.624% | $6,620 | 6.25% |
| White County | 297 | 6.5% | $6,040 | 6.125% |
| Giles County | 292 | 6.487% | $7,318 | 6.25% |
| Claiborne County | 290 | 6.625% | $6,083 | 6.125% |
| Henry County | 269 | 6.625% | $6,126 | 6.49% |
| Union County | 265 | 6.5% | $6,773 | 6.25% |
| Marion County | 264 | 6.5% | $6,094 | 6.25% |
| Cocke County | 262 | 6.625% | $7,859 | 6.25% |
| Dyer County | 262 | 6.49% | $5,136 | 6.375% |
| Grainger County | 257 | 6.625% | $7,305 | 6.25% |
| Obion County | 253 | 6.55% | $4,864 | 6.25% |
| Hickman County | 241 | 6.599% | $7,265 | 6.25% |
| Smith County | 236 | 6.5% | $6,628 | 6.25% |
| DeKalb County | 232 | 6.5% | $7,296 | 6.375% |
| Carroll County | 229 | 6.495% | $6,086 | 6.375% |
| Hardin County | 228 | 6.433% | $6,160 | 6.25% |
| Weakley County | 227 | 6.5% | $5,052 | 6.25% |
| Overton County | 222 | 6.625% | $5,931 | 6.575% |
| McNairy County | 216 | 6.59% | $5,960 | 6.49% |
| Henderson County | 211 | 6.625% | $5,581 | 6.25% |
| Humphreys County | 199 | 6.5% | $7,948 | 6.25% |
| Scott County | 191 | 6.625% | $6,506 | 6.25% |
| Fentress County | 190 | 6.625% | $6,946 | 6.25% |
| Sequatchie County | 185 | 6.5% | $6,730 | 6.24% |
| Chester County | 172 | 6.5% | $5,920 | 6.25% |
| Morgan County | 165 | 6.625% | $7,237 | 6.25% |
| Benton County | 163 | 6.625% | $5,513 | 6.375% |
| Unicoi County | 158 | 6.625% | $6,756 | 6.25% |
| Hardeman County | 157 | 6.625% | $6,377 | 6.124% |
| Stewart County | 154 | 6.438% | $5,913 | 6.125% |
| Lauderdale County | 154 | 6.625% | $6,347 | 6.49% |
| Cannon County | 141 | 6.625% | $7,327 | 6.375% |
| Polk County | 139 | 6.7% | $6,098 | 6.125% |
| Grundy County | 135 | 6.875% | $5,045 | 6.5% |
| Trousdale County | 134 | 6.495% | $7,923 | 6.124% |
| Meigs County | 133 | 6.625% | $6,733 | 6.125% |
| Lewis County | 128 | 6.5% | $7,910 | 6.25% |
| Crockett County | 127 | 6.5% | $5,422 | 6.25% |
| Bledsoe County | 120 | 6.625% | $6,071 | 6.49% |
| Johnson County | 109 | 6.5% | $5,463 | 6.25% |
| Jackson County | 107 | 6.65% | $6,362 | 6.5% |
| Houston County | 107 | 6.5% | $6,351 | 5.99% |
| Haywood County | 101 | 6.5% | $6,774 | 6.25% |
| Wayne County | 96 | 6.375% | $6,424 | 6.125% |
| Decatur County | 94 | 6.5% | $6,228 | 6.625% |
| Moore County | 77 | 6.5% | $8,003 | 6.25% |
| Van Buren County | 73 | 6.599% | $4,976 | 6.5% |
| Perry County | 52 | 6.625% | $7,070 | 6.558% |
| Clay County | 47 | 6.625% | $5,182 | 6.433% |
| Hancock County | 43 | 6.75% | $6,540 | 6.188% |
| Lake County | 38 | 6.5% | $3,939 | 6.745% |
| Pickett County | 26 | 6.625% | $5,201 | 6.37% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.