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Featured local agent — Bell Buckle, TN
Sarah Mitchell
Compass Real Estate · Bell Buckle, TN
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Bell Buckle, TN Housing Market
The typical home in Bell Buckle, TN is worth $436,812, held roughly flat 0.1% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $339,000, -8.4% year over year (through May 2026). With 3.0 months of supply and homes going under contract in about 339 days, Bell Buckle is a leaning buyer's. At today's 7.03% 30-year fixed rate, 20% down on a $436,812 home is about $2,332/mo in principal and interest.
Key numbers for Bell Buckle, TN
Typical home value
$436,812
-0.1% in 12 months
Zillow, August 2026
Median sale price
$339,000
-8.4% year over year
Redfin, through March 2026
Days on market
339
Slow-moving
Redfin, through March 2026
Active listings
3
3.0 months of supply
Redfin, through March 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$83,452
Home costs 5.2x income
U.S. Census ACS, 2023
Sale-to-list ratio
90.6%
Selling below asking
Redfin, through March 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Bell Buckle a buyer's or seller's market?
Bell Buckle, TN is a leaning buyer's, based on 3.0 months of supply and homes selling in about 339 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Bell Buckle housing market data show?
Every row below is Redfin's final published month for Bell Buckle, TN. Redfin, through March 2026
| Metric | Value |
|---|---|
| Median sale price | $339,000 |
| Median list price | $749,900 |
| Year-over-year price change | -8.4% |
| Median price per sq ft | $128/sq ft |
| Median days on market | 339 days |
| Active inventory | 3 listings |
| Months of supply | 3.0 months |
| Sale-to-list price ratio | 90.6% |
| Homes sold (that month) | 1 |
| New listings (that month) | 3 |
| Market condition | Leaning buyer's |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Bell Buckle is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Bell Buckle is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Bell Buckle home prices moved?
Across the 24 months we hold for Bell Buckle, TN, the median sale price fell 61.9%, from $890,000 in August 2021 to $339,000. The live Zillow value series has held roughly flat 0.1% in the last 12 months, which is the more current read now that Redfin's series has stopped. For prices to fall meaningfully from here, supply would have to keep building past 3.0 months while the sale-to-list ratio slips below its current 90.6%. Watch those two together — they move before the median does.
Redfin, through March 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Bell Buckle?
Priced off the typical home value of $436,812 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $87,362 | $349,449 | $2,332/mo |
| 5% | $21,841 | $414,971 | $2,769/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,332, that implies roughly $99,940 a year before you add taxes and insurance. The median household in Bell Buckle earns $83,452, about $16,488 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 5.2x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Bell Buckle in the next 12 months?
Tell us your timeline. We send the Bell Buckle market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Bell Buckle?
Zillow does not publish a rent index (ZORI) for Bell Buckle, TN, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Bell Buckle?
Active listings in Bell Buckle, TN went from 2 in February 2023 to 3 in March 2026, a +50.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| November 2023 | 5 | 1 |
| December 2023 | 3 | not published |
| March 2024 | 5 | 1 |
| April 2024 | 5 | 1 |
| May 2024 | 5 | 1 |
| June 2024 | 3 | 1 |
| July 2024 | 2 | not published |
| September 2024 | 1 | not published |
| March 2025 | 4 | 1 |
| June 2025 | 2 | 1 |
| February 2026 | 1 | not published |
| March 2026 | 3 | 3 |
Redfin, through March 2026
How does Bell Buckle compare to Tennessee and the U.S.?
Bell Buckle homes sell for $339,000 — 18% below the Tennessee median of $413,200. Against the national median of $410,700, Bell Buckle runs 17% lower. Year-over-year, Bell Buckle moved -8.4% against Tennessee's +3.0% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Bell Buckle, TN | $339,000 | -8.4% | 339 days |
| Tennessee statewide | $413,200 | +3.0% | 61 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through March 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Bell Buckle
What buyers should watch
- Months of supply, currently 3.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $437 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $436,812 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Bell Buckle listing goes under contract in 339 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 90.6% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Bell Buckle added 3 new listings against 1 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved -0.1% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Bell Buckle varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Bell Buckle
There are currently 3 homes listed for sale in Bell Buckle, Tennessee. The median listing price is $750K.
Active listings
3
Homes on market
Median list price
$750K
Avg. days on market
339
Days until sale
New this week
3
Newly listed
How much do homes cost in Bell Buckle by property type?
How the Bell Buckle, TN market breaks down across single-family homes, condos and townhouses. Redfin, through March 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $339,000 | $128/sq ft | 1 | 339 days |
Who lives in Bell Buckle?
American Community Survey estimates for Bell Buckle. U.S. Census ACS, 2023
Population
654
Households
206
Median income
$83,452/yr
Median age
31.1 years
Owner-occupied
78.2%
Median home value
$321,400
Median gross rent
$1,406/mo
Mean commute
34 min
78.2% of occupied homes in Bell Buckle are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $321,400 against Zillow's $436,812 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Bell Buckle, TN?
Ordered by distance from Bell Buckle, not by size. Compare Bell Buckle side by side with any of them.
Bell Buckle housing market FAQ
Is Bell Buckle a buyer's or seller's market?
Bell Buckle, TN is currently a leaning buyer's. That read comes from 3.0 months of supply, homes going under contract in about 339 days, and sellers getting 90.6% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Bell Buckle?
The typical home in Bell Buckle, TN is worth $436,812 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $339,000, about $128 per square foot.
Is Bell Buckle cheaper than the rest of Tennessee?
Bell Buckle's median sale price of $339,000 is 18% lower than the Tennessee statewide median of $413,200, and 17% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Bell Buckle?
Homes in Bell Buckle, TN spent a median of 339 days on market before going under contract, versus 61 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Bell Buckle?
At the current 30-year fixed rate of 7.03%, 20% down on a $436,812 home is about $2,332 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $99,940 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $83,452.
Are home prices rising in Bell Buckle?
The typical home value in Bell Buckle, TN held roughly flat 0.1% over the last 12 months, from $437,072 to $436,812 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Bell Buckle?
Bell Buckle ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Bell Buckle?
That depends on your timeline, not on a headline. What the data says today: Bell Buckle, TN is a leaning buyer's with 3.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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