Whitwell, TN—37397
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Whitwell, TN
As of Oct '25, the median home price in Whitwell, TN is $220,000, with a year-over-year change of -0.1%. This indicates that home prices in Whitwell, TN are flat. According to Zillow, the 1-year price projection is 2.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $220,000 | -0.1% |
| Single Family | $220,000 | 0.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $191,000 | 1.1% |
3 Bed | $263,000 | 4.0% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Whitwell, TN
As of July '25, Rentcast reports the average rent in Whitwell, TN is $1,050, with a year-over-year rent change of -32.3%. Per bedroom, the median rent as of July '25 in Whitwell, TN is 2-bedrooms: $1,050. The most common rental property sizes in Whitwell, TN are 2-bedroom and 3-bedroom, accounting for 48.4% and 30.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $850 | $1,050 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $850 | $1,050 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Whitwell, TN
As of Oct '25, Realtor.com reports that the median days on market for a home in Whitwell, TN is 94. This is a increase of 53.0% 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 | $370,000 | 14.0% |
Listing Count | 30 | -8.0% |
| Listings as % of Homes | 0.5% | -8.0% |
Days on Market | 94 | 53.0% |
Demographics — Whitwell, TN
As of the latest ACS Survey released in 2023, Whitwell, TN has a population of 10,000, which has increased by 5.4% over the past 5 years. Whitwell, TN is a moderately popular place for families, as children make up 19.1% of the population. The area has a poorly educated workforce, with 13.6% 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 | 10,000 | 5.4% |
% Under 18 | 19.1% | -9.9% |
% Seniors | 21.3% | 25.3% |
% WFH | 10.8% | 237.5% |
% w/ College Degree | 13.6% | 81.3% |
As of the latest ACS Survey released in 2023, Whitwell, TN is a predominantly white area, with 93.7% of the population identifying as white. The white population has shrunk by 0.6% in the last 5 years. The second most common race or ethnicity in Whitwell, TN is hispanic, making up 2.3% of the population. Foreign-born residents account for 0.8% of the population in Whitwell, TN, and this percentage has increased by 33.3% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 93.7% | -0.6% |
% Black | 1.5% | 87.5% |
% Hispanic | 2.3% | 27.8% |
% Asian | 0.3% | ∞% |
% Foreign Born | 0.8% | 33.3% |
Mortgage and Risk — Whitwell, TN
According to HUD data as of 2023, there were 163 mortgage originations in Whitwell, TN, of which 72.0% of loans were conventional mortgages. The average loan-to-value was 66.0%, with 27.0% above 90% LTV (very high). This implies large mortgage risk in Whitwell, TN. Investor activity is low, as 4.0% of loans were by investors. 21.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 163 |
% Conventional Loans | 72.0% |
% Government Loans | 28.0% |
% Investor Loans | 4.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 21.0% |
Loan Activity
Rentals and Section 8 — Whitwell, TN
Whitwell, TN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 24 |
Total Units Section 8 | 24 |
% Rentals under Section 8 | 3.0% |
% Occupied Section 8 | 87.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,030 |
| 2 Bedroom | $290 | $850 | $1,140 |
| 3 Bedroom | N/A | N/A | $1,440 |
| 4 Bedroom | N/A | N/A | $1,550 |
Affordability — Whitwell, TN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.7 |
| Median Home Price | $220,000 |
| Median Household Income | $55,800 |