White Bluff, TN—37187
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — White Bluff, TN
As of Oct '25, the median home price in White Bluff, TN is $338,000, with a year-over-year change of 0.3%. This indicates that home prices in White Bluff, TN are flat. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $338,000 | 0.3% |
| Single Family | $338,000 | 0.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $342,000 | 0.0% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — White Bluff, TN
As of July '25, Rentcast reports the average rent in White Bluff, TN is $1,850, with a year-over-year rent change of -12.3%. Per bedroom, the median rent as of July '25 in White Bluff, TN is 1-bedrooms: $1,000, 2-bedrooms: $1,650, 3-bedrooms: $2,010. The most common rental property sizes in White Bluff, TN are 2-bedroom and 3-bedroom, accounting for 41.1% and 31.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,730 | $1,850 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,000 | $1,000 |
| 2 Bed Rent | $1,600 | $1,650 |
| 3 Bed Rent | $1,980 | $2,010 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — White Bluff, TN
As of Oct '25, Realtor.com reports that the median days on market for a home in White Bluff, TN is 67. This is a increase of 56.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $359,000 | -1.0% |
Listing Count | 50 | 13.0% |
| Listings as % of Homes | 1.0% | 13.0% |
Days on Market | 67 | 56.0% |
Demographics — White Bluff, TN
As of the latest ACS Survey released in 2023, White Bluff, TN has a population of 8,380, which has increased by 13.9% over the past 5 years. White Bluff, TN is a moderately popular place for families, as children make up 21.7% of the population. The area has a poorly educated workforce, with 19.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 8,380 | 13.9% |
% Under 18 | 21.7% | -4.0% |
% Seniors | 14.7% | 20.5% |
% WFH | 10.8% | 208.6% |
% w/ College Degree | 19.0% | 57.0% |
As of the latest ACS Survey released in 2023, White Bluff, TN is a predominantly white area, with 92.6% of the population identifying as white. The white population has shrunk by 4.9% in the last 5 years. The second most common race or ethnicity in White Bluff, TN is black, making up 1.5% of the population. Foreign-born residents account for 0.4% of the population in White Bluff, TN, and this percentage has decreased by 20.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 92.6% | -4.9% |
% Black | 1.5% | 87.5% |
% Hispanic | 1.3% | 116.7% |
% Asian | 0.0% | N/A |
% Foreign Born | 0.4% | -20.0% |
Mortgage and Risk — White Bluff, TN
According to HUD data as of 2023, there were 199 mortgage originations in White Bluff, TN, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 66.0%, with 31.0% above 90% LTV (very high). This implies large mortgage risk in White Bluff, TN. Investor activity is low, as 2.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 199 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — White Bluff, TN
White Bluff, TN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 104 |
Total Units Section 8 | 104 |
% Rentals under Section 8 | 7.8% |
% Occupied Section 8 | 51.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $300 | $1,000 | $1,300 |
| 2 Bedroom | -$140 | $1,600 | $1,460 |
| 3 Bedroom | -$140 | $1,980 | $1,840 |
| 4 Bedroom | N/A | N/A | $2,240 |
Affordability — White Bluff, TN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.5 |
| Median Home Price | $338,000 |
| Median Household Income | $71,000 |