37046 — Williamson County, Tennessee Market Snapshot
Housing market data for zip code 37046 in Williamson County, Tennessee. Updated monthly with median prices, days on market, and more.
Market Sales Data
69 sales in 2026 (year to date)
Median Sale Price
$1,520,339
Days to Sell
80
Homes Sold
69
Inventory
90
Sale-to-List
98.6%
New Listings
71
Price/SqFt
$374
Pending Sales
55
Above Conforming Limit Estimate
At 5% down, the estimated base loan for the $1,520,339 median-priced home in 37046 is $1,444,322. The 2026 conforming limit is $1,029,250. The limit applies to the loan amount, not the home price. The estimated base loan is $415,072 above the limit. A base loan at or below the limit would require at least 32.4% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 37046 is 80 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 37046 is 98.6%. This aggregate does not predict the sale price or appraisal for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $1,520,339 median-priced home in 37046 is $1,444,322. The 2026 conforming limit is $1,029,250. The limit applies to the loan amount, not the home price. The estimated base loan is $415,072 above the limit. A base loan at or below the limit would require at least 32.4% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 37046 are set at the county level.
2026 Loan Limits — Williamson County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,029,250 | $1,029,250 |
| 2 Units | $1,317,650 | $1,317,650 |
| 3 Units | $1,592,700 | $1,592,700 |
| 4 Units | $1,979,350 | $1,979,350 |
Affordability Snapshot — Zip 37046
To purchase the median home at $1,520,339 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $12,400.
Monthly Payment
$12,400
Income Required
$531,435
Principal & Interest
$9,368/mo
Property Tax
$2,281/mo
Home Insurance
$150/mo
Estimated PMI
$602/mo
Down Payment (5%)
$76,017
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 37046.
Estimated Monthly Payment
$9,559
Above the conforming limit. The estimated loan amount exceeds the $1,029,250 limit for 37046. This comparison does not determine loan eligibility or approval.
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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