Income needed to buy a home
Williamson County, TN
$295,233
a year in household income to buy the typical Williamson County home with 10% down.
The monthly math
Typical home value$929,377
Down payment (10%)$92,938
Loan$836,439
Principal and interest (7.40%)$5,791/mo
Property tax (0.37% a year)$284/mo
Homeowners insurance (estimate)$465/mo
Mortgage insurance$349/mo
Total monthly cost$6,889/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Out of reach
The typical household here earns $135,594 a year, 46% of what it takes.
In Tennessee
Williamson County ranks #95 of 95 for the income a home takes, from least to most.
Easiest to afford in Tennessee
| County | Typical home | Income needed |
|---|---|---|
| Lake County | $114,150 | $37,705 |
| Lauderdale County | $141,988 | $46,642 |
| Hardeman County | $163,972 | $53,330 |
| Chester County | $168,713 | $54,432 |
| Obion County | $169,585 | $54,635 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.