Church Hill, TN—37642
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Church Hill, TN
As of Oct '25, the median home price in Church Hill, TN is $253,000, with a year-over-year change of 1.5%. This indicates that home prices in Church Hill, TN are increasing. According to Zillow, the 1-year price projection is 3.8%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $253,000 | 1.5% |
| Single Family | $253,000 | 2.0% |
| 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 | $271,000 | 3.0% |
4 Bed | $335,000 | 2.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Church Hill, TN
As of July '25, Rentcast reports the average rent in Church Hill, TN is $1,200, with a year-over-year rent change of 0.0%. Per bedroom, the median rent as of July '25 in Church Hill, TN is 1-bedrooms: $951, 2-bedrooms: $1,160, 3-bedrooms: $1,440, 4-bedrooms: $1,700. The most common rental property sizes in Church Hill, TN are 2-bedroom and 3-bedroom, accounting for 40.6% and 38.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $980 | $1,200 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $875 | $951 |
| 2 Bed Rent | $950 | $1,160 |
| 3 Bed Rent | $1,350 | $1,440 |
| 4 Bed Rent | $1,700 | $1,700 |
% of Rental Stock
Property Listings — Church Hill, TN
As of Oct '25, Realtor.com reports that the median days on market for a home in Church Hill, TN is 58. This is a increase of 3.0% 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 39.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $319,000 | 7.0% |
Listing Count | 46 | -1.0% |
| Listings as % of Homes | 0.4% | -1.0% |
Days on Market | 58 | 3.0% |
Demographics — Church Hill, TN
As of the latest ACS Survey released in 2023, Church Hill, TN has a population of 14,500, which has decreased by -5.5% over the past 5 years. Church Hill, TN is a moderately popular place for families, as children make up 19.5% of the population. The area has a poorly educated workforce, with 16.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 14,500 | -5.5% |
% Under 18 | 19.5% | -0.5% |
% Seniors | 22.2% | 16.2% |
% WFH | 14.7% | 880.0% |
% w/ College Degree | 16.1% | 14.2% |
As of the latest ACS Survey released in 2023, Church Hill, TN is a predominantly white area, with 95.1% of the population identifying as white. The white population has shrunk by 1.2% in the last 5 years. The second most common race or ethnicity in Church Hill, TN is hispanic, making up 1.5% of the population. Foreign-born residents account for 0.3% of the population in Church Hill, TN, and this percentage has decreased by 75.0% 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 | 95.1% | -1.2% |
% Black | 1.3% | 333.3% |
% Hispanic | 1.5% | 87.5% |
% Asian | 0.8% | 60.0% |
% Foreign Born | 0.3% | -75.0% |
Mortgage and Risk — Church Hill, TN
According to HUD data as of 2023, there were 397 mortgage originations in Church Hill, TN, of which 77.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Church Hill, TN. Investor activity is low, as 2.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 397 |
% Conventional Loans | 77.0% |
% Government Loans | 23.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Church Hill, TN
As of 2024, the percent of homes in Church Hill, TN under the Section 8 program is 5.3%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom and 3-bedroom units appear to be good home sizes to consider for Section 8 housing in Church Hill, TN, because HUD payments exceed market rent, while 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 104 |
Total Units Section 8 | 54 |
% Rentals under Section 8 | 5.3% |
% Occupied Section 8 | 78.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $5 | $875 | $880 |
| 2 Bedroom | $160 | $950 | $1,110 |
| 3 Bedroom | $80 | $1,350 | $1,430 |
| 4 Bedroom | -$60 | $1,700 | $1,640 |
Affordability — Church Hill, TN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.4 |
| Median Home Price | $253,000 |
| Median Household Income | $64,000 |