Lawrence County, TN Average Home Price (2026)
The average home price in Lawrence County, Tennessee is about $235,500 (the 2026 median across 8 ZIP codes, at ~$188/sq ft) — 12% more affordable than the Tennessee median and 19% more affordable than the typical U.S. home.
How Lawrence County compares
Lawrence County is about average for housing nationally: its typical home costs $235,500 against $267,000 for Tennessee and $289,000 for the U.S. Within the county, ZIP-level values run from about $158,000 to $298,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Lawrence County | $235,500 | $188 |
| Tennessee | $267,000 | $213 |
| United States | $289,000 | $193 |
Lawrence County home prices by ZIP code
The 8 most valuable ZIP codes in Lawrence County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 38483 Summertown | $298,000 | $222 | +27% |
| 38456 Ethridge | $274,000 | $208 | +16% |
| 38468 Leoma | $258,000 | $219 | +10% |
| 38464 Lawrenceburg | $237,000 | $182 | +1% |
| 38469 Loretto | $234,000 | $163 | -1% |
| 38457 Five Points | $214,000 | $117 | -9% |
| 38486 Westpoint | $213,000 | $194 | -10% |
| 38481 Saint Joseph | $158,000 | $178 | -33% |
Home value appreciation in Lawrence County
Home prices in Lawrence County have risen about 127% over the last 10 years (≈8.5% a year) and +161.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.5% — still rising. A home worth $235,500 today was worth roughly $103,744 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Tennessee is +113.5% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Lawrence County
Run the numbers for Lawrence County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Lawrence County
To buy the typical $235,500 home in Lawrence County with 20% down, you need a household income of roughly $64,000 a year (about $1,500 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $76,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,800 | $1,860/mo | $80,000/yr |
| 10% (+PMI) | $23,600 | $1,780/mo | $76,000/yr |
| 20% | $47,100 | $1,500/mo | $64,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Lawrence County
At about $188 per square foot, here is roughly how much home different budgets get you in Lawrence County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 800 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1060 sq ft | around the typical home here |
| $250k | 1330 sq ft | around the typical home here |
| $300k | 1600 sq ft | around the typical home here |
| $400k | 2130 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Tennessee.
Estimate a specific home in Lawrence County
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Lawrence County home prices: frequently asked
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Browse all Tennessee cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.