Lynchburg, TN—37352
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Lynchburg, TN
As of Oct '25, the median home price in Lynchburg, TN is $347,000, with a year-over-year change of 1.8%. This indicates that home prices in Lynchburg, TN are increasing. According to Zillow, the 1-year price projection is 4.0%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $347,000 | 1.8% |
| Single Family | $348,000 | 3.6% |
| 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 | $362,000 | 2.5% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Lynchburg, TN
As of July '25, Rentcast reports the average rent in Lynchburg, TN is $1,700, with a year-over-year rent change of 6.2%. Per bedroom, the median rent as of July '25 in Lynchburg, TN is 3-bedrooms: $1,700. The most common rental property sizes in Lynchburg, TN are 3-bedroom and 2-bedroom, accounting for 44.2% and 36.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,700 | $1,700 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,700 | $1,700 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Lynchburg, TN
As of Oct '25, Realtor.com reports that the median days on market for a home in Lynchburg, TN is 68. This is a decrease of -26.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 24.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $465,000 | -14.0% |
Listing Count | 25 | -6.0% |
| Listings as % of Homes | 1.3% | -6.0% |
Days on Market | 68 | -26.0% |
Demographics — Lynchburg, TN
As of the latest ACS Survey released in 2023, Lynchburg, TN has a population of 3,090, which has remained stable by 1.0% over the past 5 years. Lynchburg, TN is a moderately popular place for families, as children make up 22.5% of the population. The area has a moderately educated workforce, with 25.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 2.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,090 | 1.0% |
% Under 18 | 22.5% | 5.1% |
% Seniors | 19.5% | -13.3% |
% WFH | 2.5% | -55.4% |
% w/ College Degree | 25.1% | 16.2% |
As of the latest ACS Survey released in 2023, Lynchburg, TN is a predominantly white area, with 91.2% of the population identifying as white. The white population has shrunk by 1.9% in the last 5 years. The second most common race or ethnicity in Lynchburg, TN is black, making up 5.6% of the population. Foreign-born residents account for 1.1% of the population in Lynchburg, TN, and this percentage has decreased by 62.1% 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 | 91.2% | -1.9% |
% Black | 5.6% | 107.4% |
% Hispanic | 1.4% | 250.0% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 1.1% | -62.1% |
Mortgage and Risk — Lynchburg, TN
According to HUD data as of 2023, there were 128 mortgage originations in Lynchburg, TN, of which 72.0% of loans were conventional mortgages. The average loan-to-value was 59.0%, with 20.0% above 90% LTV (very high). This implies large mortgage risk in Lynchburg, TN. Investor activity is low, as 2.0% of loans were by investors. 16.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 128 |
% Conventional Loans | 72.0% |
% Government Loans | 28.0% |
% Investor Loans | 2.0% |
% Second Loans | 5.0% |
% Cash Out Refinance | 16.0% |
Loan Activity
Rentals and Section 8 — Lynchburg, TN
Lynchburg, TN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 2 |
Total Units Section 8 | 2 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $720 |
| 2 Bedroom | N/A | N/A | $900 |
| 3 Bedroom | -$540 | $1,700 | $1,160 |
| 4 Bedroom | N/A | N/A | $1,260 |
Affordability — Lynchburg, TN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.7 |
| Median Home Price | $347,000 |
| Median Household Income | $66,400 |