Lincoln County, TN Average Home Price (2026)
The average home price in Lincoln County, Tennessee is about $265,000 (the 2026 median across 9 ZIP codes, at ~$207/sq ft) — 1% more affordable than the Tennessee median and 8% more affordable than the typical U.S. home.
How Lincoln County compares
Lincoln County is about average for housing nationally: its typical home costs $265,000 against $267,000 for Tennessee and $289,000 for the U.S. Within the county, ZIP-level values run from about $250,000 to $315,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Lincoln County | $265,000 | $207 |
| Tennessee | $267,000 | $213 |
| United States | $289,000 | $193 |
Lincoln County home prices by ZIP code
The 9 most valuable ZIP codes in Lincoln County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 38459 Frankewing | $315,000 | $589 | +19% |
| 37359 Mulberry | $307,000 | $246 | +16% |
| 38488 Taft | $303,000 | $214 | +14% |
| 37144 Petersburg | $300,000 | $221 | +13% |
| 37328 Elora | $265,000 | $169 | +0% |
| 38449 Elkton | $259,000 | $185 | -2% |
| 37335 Flintville | $257,000 | $207 | -3% |
| 37348 Kelso | $253,000 | $111 | -5% |
| 37334 Fayetteville | $250,000 | $173 | -6% |
Home value appreciation in Lincoln County
Home prices in Lincoln County have risen about 122% over the last 10 years (≈8.3% a year) and +151.9% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +7.4% — still rising. A home worth $265,000 today was worth roughly $119,531 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 Lincoln County
Run the numbers for Lincoln County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Lincoln County
To buy the typical $265,000 home in Lincoln County with 20% down, you need a household income of roughly $72,000 a year (about $1,680 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $86,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,300 | $2,090/mo | $90,000/yr |
| 10% (+PMI) | $26,500 | $2,000/mo | $86,000/yr |
| 20% | $53,000 | $1,680/mo | $72,000/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 Lincoln County
At about $207 per square foot, here is roughly how much home different budgets get you in Lincoln County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 720 sq ft | below the local median — condos, smaller or older homes |
| $200k | 970 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1210 sq ft | around the typical home here |
| $300k | 1450 sq ft | around the typical home here |
| $400k | 1930 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 Lincoln County
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Lincoln 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.