McNairy County, TN Average Home Price (2026)
The average home price in McNairy County, Tennessee is about $184,000 (the 2026 median across 9 ZIP codes, at ~$154/sq ft) — 31% more affordable than the Tennessee median and 36% more affordable than the typical U.S. home.
How McNairy County compares
McNairy County is relatively affordable for housing nationally: its typical home costs $184,000 against $267,000 for Tennessee and $289,000 for the U.S. Within the county, ZIP-level values run from about $155,000 to $199,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| McNairy County | $184,000 | $154 |
| Tennessee | $267,000 | $213 |
| United States | $289,000 | $193 |
McNairy County home prices by ZIP code
The 9 most valuable ZIP codes in McNairy County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 38379 Stantonville | $199,000 | $168 | +8% |
| 38357 Michie | $192,000 | $162 | +4% |
| 38310 Adamsville | $187,000 | $154 | +2% |
| 38339 Guys | $187,000 | $98 | +2% |
| 38061 Pocahontas | $184,000 | $203 | +0% |
| 38367 Ramer | $174,000 | $173 | -5% |
| 38334 Finger | $168,000 | $148 | -9% |
| 38375 Selmer | $162,000 | $128 | -12% |
| 38315 Bethel Springs | $155,000 | $151 | -16% |
Home value appreciation in McNairy County
Home prices in McNairy County have risen about 96% over the last 10 years (≈7.0% a year) and +101.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.8% — still rising. A home worth $184,000 today was worth roughly $93,686 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 McNairy County
Run the numbers for McNairy County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in McNairy County
To buy the typical $184,000 home in McNairy County with 20% down, you need a household income of roughly $50,000 a year (about $1,170 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $59,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,200 | $1,450/mo | $62,000/yr |
| 10% (+PMI) | $18,400 | $1,390/mo | $59,000/yr |
| 20% | $36,800 | $1,170/mo | $50,000/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 McNairy County
At about $154 per square foot, here is roughly how much home different budgets get you in McNairy County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 970 sq ft | around the typical home here |
| $200k | 1300 sq ft | around the typical home here |
| $250k | 1620 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 1950 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2600 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 McNairy County
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McNairy 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.