Polk County, TN Average Home Price (2026)
The average home price in Polk County, Tennessee is about $239,500 (the 2026 median across 8 ZIP codes, at ~$225/sq ft) — 10% more affordable than the Tennessee median and 17% more affordable than the typical U.S. home.
How Polk County compares
Polk County is about average for housing nationally: its typical home costs $239,500 against $267,000 for Tennessee and $289,000 for the U.S. Within the county, ZIP-level values run from about $142,000 to $314,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Polk County | $239,500 | $225 |
| Tennessee | $267,000 | $213 |
| United States | $289,000 | $193 |
Polk County home prices by ZIP code
The 8 most valuable ZIP codes in Polk County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 37361 Ocoee | $314,000 | $220 | +31% |
| 37325 Delano | $269,000 | $212 | +12% |
| 37307 Benton | $264,000 | $207 | +10% |
| 37362 Oldfort | $256,000 | $229 | +7% |
| 37369 Reliance | $223,000 | $259 | -7% |
| 37391 Turtletown | $215,000 | $244 | -10% |
| 37317 Turtletown | $205,000 | $231 | -14% |
| 37333 Farner | $142,000 | $146 | -41% |
Home value appreciation in Polk County
Home prices in Polk County have risen about 96% over the last 10 years (≈7.0% a year) and +90.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at -9.2% — a recent dip. A home worth $239,500 today was worth roughly $122,194 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 Polk County
Run the numbers for Polk County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Polk County
To buy the typical $239,500 home in Polk County with 20% down, you need a household income of roughly $65,000 a year (about $1,520 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $77,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,000 | $1,890/mo | $81,000/yr |
| 10% (+PMI) | $24,000 | $1,810/mo | $77,000/yr |
| 20% | $47,900 | $1,520/mo | $65,000/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 Polk County
At about $225 per square foot, here is roughly how much home different budgets get you in Polk County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 670 sq ft | below the local median — condos, smaller or older homes |
| $200k | 890 sq ft | around the typical home here |
| $250k | 1110 sq ft | around the typical home here |
| $300k | 1330 sq ft | around the typical home here |
| $400k | 1780 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 Polk County
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Polk 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.