Own NashvilleTN Real Estate Group

Davidson, Rutherford, Maury, Sumner and Wilson counties

Own Nashville.

You're closer than you think.

What could your rent buy? Find out in about a minute, from Nashville to Murfreesboro, Spring Hill, Gallatin and Mount Juliet. No sign up and no credit check.

The typical first time buyer puts down 10 percent, not 20.The facts, 1 min readTennessee offers down payment help through THDA.Who qualifies, 2 min readBuilders across the area are offering rate incentives.Current offers, 2 min read

Your Rent Buys

Answers update as you move.

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Your plan: price range, best fit counties and three next steps.

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Questions? Call or text 629.256.7845.

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Estimates only, not a loan offer. Ranges use the Freddie Mac national average rate as of November 12, 2026, typical Tennessee taxes and insurance, and part of your savings set aside for closing costs. A licensed lending partner confirms your real number. County data: RealTracs closed residential sales, including condos and townhomes, August 12 to November 12, 2026.

How it works

Step 1Run your numbersMove the sliders. No sign up and no credit check.
Step 2Get your planYour price range, the counties that fit and your next steps, on screen right away.
Step 3Talk it throughCall or text Brian when you're ready. A licensed lending partner confirms your real number.

What your rent buys

The same monthly payment, as a purchase price. Based on $15,000 saved and the average rate as of November 12, 2026.

$1,500 a month in rentAbout $195K
$2,000 a month in rentAbout $260K
$2,500 a month in rentAbout $320K
Run my own numbersSee the full table by county

Estimates only, not a loan offer.

Myths that keep renters renting

Four beliefs, checked against the data.

Myth"I need 20 percent down."The median first time buyer put down 10 percent. Some loan programs ask for much less, and Tennessee offers down payment help through THDA.Source: NAR 2025 Profile of Home Buyers and SellersRead the factsMyth"I need great credit."A third of would be buyers think a mortgage takes a 700 score or higher. Tennessee's THDA down payment help starts at 640, and some loan types accept lower scores.Source: Veterans United Home Loans survey, May 2026; THDA program guidelinesRead the factsMyth"I don't make enough to buy."In a 2026 survey, 57 percent of middle income renters said owning a home feels out of reach. Your real number depends on your debts, savings and county.Source: Neighbors Bank survey, reported by ABA Banking Journal, September 4, 2026Read the factsMyth"Rates have never been this high."The 30 year average peaked at 18.63 percent in October 1981. It was 7.11 percent as of November 12, 2026.Source: Freddie Mac Primary Mortgage Market SurveyRead the facts

Where your money goes further

Prices, taxes, drive times and schools for each county.

MauryColumbia, Spring HillMedian $415KCounty guideRutherfordMurfreesboro, SmyrnaMedian $425KCounty guideSumnerGallatin, HendersonvilleMedian $430KCounty guideDavidsonNashville, AntiochMedian $460KCounty guideWilsonMount Juliet, LebanonMedian $490KCounty guide

Medians: RealTracs closed residential sales, including condos and townhomes, August 12 to November 12, 2026.

Buying with a cosigner?How a cosigner or co-buyer can change your number, and what each of you takes on.Read the guide

Free tools worth your time

Government and nonprofit resources. Nothing to buy.

THDA homebuyer classThe online class Tennessee requires for its down payment help.Fannie Mae HomeViewA free online course on buying and owning a home.CFPB Explore Interest RatesSee the rates people in your situation are getting.CFPB Loan Estimate guideRead a lender's quote line by line.AnnualCreditReport.comYour free credit reports from all three bureaus.FEMA Flood Map Service CenterCheck flood risk for any address.

Questions renters ask first

Does the calculator check my credit?

No. Nothing here touches your credit, and no one sees your numbers unless you ask for your plan.

Is my price range a loan approval?

No. The range is an estimate. A licensed lender confirms your real number with a pre-approval.

What is Tennessee down payment help?

The Tennessee Housing Development Agency, THDA, offers down payment help to buyers under its income limits. It asks for a 640 credit score and a homebuyer class. Limits vary by county and household size, and the calculator checks yours.

How THDA works

What happens when I ask for my plan?

Your plan appears on screen right away, and your numbers go to Brian Barnes, a REALTOR® with TN Real Estate Group. You get a text only if you ticked the box.

See your number.About a minute with the sliders. No sign up.
Run my numbersCall 629.256.7845
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