The calculator below is pre-filled with Davidson County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Tennessee's statewide figures.

Davidson County at a glance

Effective property tax rate: 0.57% of home value / year
Median home price: $491,000
Homeowners insurance (avg/year): $3,029
Conforming loan limit (1-unit, 2026): $1,029,250

County data last updated 2026-08-21. FIPS 47037. Full source list on /methodology.

Davidson County, TN mortgage payment calculator

All-in cost first, always — pre-filled with Davidson County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

Not your state? Find your calculator here.

Not sure what you can afford?

Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Tennessee.

How much house can I afford in Tennessee? →

Not sure where to start?

Continue calculating

Affordability calculator

Income, savings, and debts in — max home price and qualification signal out.

PMI removal calculator

When your PMI is scheduled to end, by law and by request.

Mortgage points calculator

Should you buy down your rate? Break-even and lifetime cost comparison.

Related reading

Buying a Home in Winter: Why the Slowest Season Can Be the Best Deal

Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.

Closing Costs in Tennessee: What You'll Actually Pay

Tennessee taxes your closing twice — once on the sale, once on the mortgage — yet both together run about $1,772 on a $383,600 home. Here's the real math.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

Tennessee at a glance

Median home price: $383,600
Typical closing costs: 2%–5% of price
Transfer tax: 0.37% of sale price, customarily paid by buyer
Closing custom: escrow
Homestead exemption: Tennessee has no broad ad-valorem homestead exemption that reduces assessed value for all owner-occupants (unlike FL or TX). Instead it offers the Property Tax Relief Program, administered by the state Comptroller, which reimburses (pays directly to the county trustee on the homeowner's behalf) a portion of property tax for qualifying low-income elderly (65+) homeowners, disabled homeowners, disabled veterans, and surviving spouses of veterans — disabled veterans and their surviving spouses are exempt from the income limit; other applicants must meet an income cap (~$36,760 as of the most recent figure found). Separately, many counties/municipalities offer a local-option Tax Freeze Program for homeowners 65+ or disabled (income limit ~$47,030) that freezes (does not reduce) the assessed value used for tax billing. Neither applies automatically — apply annually through the county Trustee's office, typically due by April 5.

First-time buyer / down payment assistance programs

THDA Great Choice Home Loan
Tennessee Housing Development Agency's statewide 30-year fixed-rate first mortgage (FHA/VA/USDA/Conventional) for homebuyers, paired with optional down payment assistance (Great Choice Plus, a second mortgage); first-time-buyer requirement waived in targeted counties/census tracts. Subject to county-specific income limits and a statewide acquisition (purchase) price cap.
THDA Great Choice Plus
Second mortgage down payment/closing cost assistance paired with a THDA Great Choice first mortgage, offered as either a deferred (0%-interest, due at sale/refinance/payoff) or amortizing loan option, up to 6% of the first mortgage loan amount.