Humboldt, TN—38343
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Humboldt, TN
As of Oct '25, the median home price in Humboldt, TN is $177,000, with a year-over-year change of 0.4%. This indicates that home prices in Humboldt, TN are flat. According to Zillow, the 1-year price projection is 0.9%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $177,000 | 0.4% |
| Single Family | $177,000 | 0.6% |
| 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 | $209,000 | -0.5% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Humboldt, TN
As of July '25, Rentcast reports the average rent in Humboldt, TN is $1,390, with a year-over-year rent change of 13.9%. Per bedroom, the median rent as of July '25 in Humboldt, TN is 2-bedrooms: $662, 3-bedrooms: $1,500, 4-bedrooms: $1,690. The most common rental property sizes in Humboldt, TN are 2-bedroom and 3-bedroom, accounting for 42.2% and 37.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,600 | $1,390 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $575 | $662 |
| 3 Bed Rent | $1,700 | $1,500 |
| 4 Bed Rent | $1,600 | $1,690 |
% of Rental Stock
Property Listings — Humboldt, TN
As of Oct '25, Realtor.com reports that the median days on market for a home in Humboldt, TN is 69. This is a increase of 30.0% 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 | $257,000 | 2.0% |
Listing Count | 67 | 8.0% |
| Listings as % of Homes | 0.6% | 8.0% |
Days on Market | 69 | 30.0% |
Demographics — Humboldt, TN
As of the latest ACS Survey released in 2023, Humboldt, TN has a population of 15,700, which has increased by 1.5% over the past 5 years. Humboldt, TN is a moderately popular place for families, as children make up 21.1% of the population. The area has a poorly educated workforce, with 20.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 15,700 | 1.5% |
% Under 18 | 21.1% | -10.6% |
% Seniors | 22.2% | 6.7% |
% WFH | 6.6% | 266.7% |
% w/ College Degree | 20.3% | 15.3% |
As of the latest ACS Survey released in 2023, Humboldt, TN is a predominantly white area, with 65.2% of the population identifying as white. The white population has shrunk by 1.8% in the last 5 years. The second most common race or ethnicity in Humboldt, TN is black, making up 23.1% of the population. Foreign-born residents account for 3.3% of the population in Humboldt, TN, and this percentage has increased by 65.0% 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 | 65.2% | -1.8% |
% Black | 23.1% | -20.9% |
% Hispanic | 5.5% | 66.7% |
% Asian | 0.2% | 0.0% |
% Foreign Born | 3.3% | 65.0% |
Mortgage and Risk — Humboldt, TN
According to HUD data as of 2023, there were 273 mortgage originations in Humboldt, TN, of which 70.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Humboldt, TN. Investor activity is low, as 7.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 273 |
% Conventional Loans | 70.0% |
% Government Loans | 30.0% |
% Investor Loans | 7.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Humboldt, TN
Humboldt, TN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 319 |
Total Units Section 8 | 63 |
% Rentals under Section 8 | 2.7% |
% Occupied Section 8 | 90.9% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $780 |
| 2 Bedroom | $455 | $575 | $1,030 |
| 3 Bedroom | -$290 | $1,700 | $1,410 |
| 4 Bedroom | -$110 | $1,600 | $1,490 |
Affordability — Humboldt, TN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.1 |
| Median Home Price | $177,000 |
| Median Household Income | $53,400 |