Mortgage Payment Estimates for Tennessee by Home Price
The true monthly payment on a home is rarely what lenders quote upfront. Below are the full PITI estimates — principal, interest, property tax, and insurance — for eight home prices in Tennessee, at both 20% and 10% down. Pick a price to see the complete breakdown, income requirements, and 15- vs. 30-year comparison.
| Home Price | PITI (20% down) | PITI (10% down) | Details |
|---|---|---|---|
| $200,000 | $1,274/mo | $1,527/mo | Full breakdown → |
| $250,000 | $1,544/mo | $1,860/mo | Full breakdown → |
| $300,000 | $1,813/mo | $2,192/mo | Full breakdown → |
| $350,000 | $2,083/mo | $2,525/mo | Full breakdown → |
| $400,000 | $2,352/mo | $2,857/mo | Full breakdown → |
| $500,000 | $2,891/mo | $3,522/mo | Full breakdown → |
| $600,000 | $3,429/mo | $4,187/mo | Full breakdown → |
| $750,000 | $4,238/mo | $5,185/mo | Full breakdown → |
Rate: 6.4% (Freddie Mac Primary Mortgage Market Survey). Property tax: 0.46% effective rate (Tax Foundation Property Taxes by State 2024). Insurance: $2,364/yr (Insurance.com Rate Analysis 2026).