Niota, TN—37826
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Niota, TN
As of Oct '25, the median home price in Niota, TN is $260,000, with a year-over-year change of 0.0%. This indicates that home prices in Niota, TN are flat. According to Zillow, the 1-year price projection is 2.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $260,000 | 0.0% |
| Single Family | $260,000 | 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 | N/A | N/A |
3 Bed | $295,000 | 2.4% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Niota, TN
As of July '25, Rentcast reports the average rent in Niota, TN is $1,250, with a year-over-year rent change of -3.8%. Per bedroom, the median rent as of July '25 in Niota, TN is 2-bedrooms: $945, 3-bedrooms: $1,550. The most common rental property sizes in Niota, TN are 3-bedroom and 2-bedroom, accounting for 47.9% and 44.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $995 | $1,250 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $895 | $945 |
| 3 Bed Rent | $1,500 | $1,550 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Niota, TN
As of Oct '25, Realtor.com reports that the median days on market for a home in Niota, TN is 53. This is a increase of 76.0% 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 33.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $302,000 | -7.0% |
Listing Count | 36 | 43.0% |
| Listings as % of Homes | 0.8% | 43.0% |
Days on Market | 53 | 76.0% |
Demographics — Niota, TN
As of the latest ACS Survey released in 2023, Niota, TN has a population of 3,490, which has decreased by -38.3% over the past 5 years. Niota, TN is a moderately popular place for families, as children make up 18.5% of the population. The area has a poorly educated workforce, with 15.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 3.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,490 | -38.3% |
% Under 18 | 18.5% | -19.6% |
% Seniors | 26.6% | 43.0% |
% WFH | 3.2% | 113.3% |
% w/ College Degree | 15.7% | -6.0% |
As of the latest ACS Survey released in 2023, Niota, TN is a predominantly white area, with 86.5% of the population identifying as white. The white population has shrunk by 3.2% in the last 5 years. The second most common race or ethnicity in Niota, TN is asian, making up 2.8% of the population. Foreign-born residents account for 4.1% of the population in Niota, TN, and this percentage has increased by 24.2% 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 | 86.5% | -3.2% |
% Black | 1.0% | -41.2% |
% Hispanic | 2.5% | 108.3% |
% Asian | 2.8% | -15.2% |
% Foreign Born | 4.1% | 24.2% |
Mortgage and Risk — Niota, TN
According to HUD data as of 2023, there were 195 mortgage originations in Niota, TN, of which 62.0% of loans were conventional mortgages. The average loan-to-value was 70.0%, with 37.0% above 90% LTV (very high). This implies large mortgage risk in Niota, 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 | 195 |
% Conventional Loans | 62.0% |
% Government Loans | 38.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — Niota, TN
Niota, TN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 1 |
% 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 | $860 |
| 2 Bedroom | $85 | $895 | $980 |
| 3 Bedroom | -$280 | $1,500 | $1,220 |
| 4 Bedroom | N/A | N/A | $1,300 |
Affordability — Niota, TN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.7 |
| Median Home Price | $260,000 |
| Median Household Income | $63,900 |