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Market MapTennesseeSmith

Smith County

TennesseePopulation: 20,034
64
/100
Buy
#271 of 1,000 counties
#17 in Tennessee (95 counties)
Analysis by RentalCalcs Research·Independent data + algorithm-driven scoring
Updated July 8, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$308,336
Median Home Price
35% above national median
$18,630/mo
Est. Rent
Based on regional data
6.04%
Rent-to-Price Ratio
Estimated from price data
+$0
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Median Home Price

Median Rent

Historical data from Zillow ZHVI/ZORI

Score Breakdown

Overall Investment Score
64/100
64
Cash Flow(30%)
0/100

Rent data not available for cash flow calculation.

Appreciation(25%)
74/100

Based on 2.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
64/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

No significant strengths identified based on current data.

Challenges

  • -Negative leverage (cap rate 0.0% < mortgage rate 6.9%)
  • -Limited rent data (estimates used)

Economic Indicators

Population
20,034
Median Income
—
Data pending
Unemployment Rate
—
Data pending
Price-to-Income
—
Data pending

Who this market fits

Skip if
  • −You can't tolerate negative leverage (cap rate below mortgage rate today)

Compare to Nearby Counties

CountyVerdict
RheaTN
68$266,373Est. pending—BuyView
CurrentSmithTN
64$308,336Est. pending—Buy
CarrollTN
63$180,314Est. pending—BuyView
AndersonTN
62$301,800$1,6016.36%BuyView
GreeneTN
62$240,638$1,3086.52%BuyView
ShelbyTN
61$215,746$1,3647.58%BuyView

The Bottom Line

BuySmith offers solid investment potential with positive cash flow at typical financing.

Smith County in Tennessee scores 64/100, ranking #271 of 1,000 US counties (top 35%). At 20% down and current rates, a median-priced rental roughly breaks even on cash flow. The deal works on appreciation or with better terms, not on month-one cash flow.

Monthly Cash Flow
+$0/mo
Cap Rate
0.0%
Cash-on-Cash
0.0%

Related markets

Markets like Smith with stronger cash flow

  • Shelby County for cash-flow rentals
  • Greene County for cash-flow rentals
  • Anderson County for cash-flow rentals

Cheaper alternatives to Smith

  • Carroll County, lower entry price
  • Shelby County, lower entry price
  • Greene County, lower entry price

Head-to-head comparisons

  • Smith vs Carroll for rentals
  • Smith vs Anderson for rentals
  • Smith vs Greene for rentals
All counties in Tennessee →

Rent vs buy in Tennessee cities

Rent vs buy in Nashville, TNMedian $429,292 · rent $1,780/moRent vs buy in Memphis, TNMedian $215,746 · rent $1,364/moRent vs buy in Knoxville, TNMedian $369,942 · rent $1,788/moRent vs buy in Chattanooga, TNMedian $347,463 · rent $1,500/moRent vs buy in Clarksville, TNMedian $318,518 · rent $1,386/moAll Tennessee citiesFull rent-vs-buy directory for the state

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