Nashville Home Loans
Nashville has been one of the fastest-growing metros in the country for the better part of a decade, and the housing market reflects it. The combination of no state income tax, a diversified economy, and genuine cultural draw has pulled in residents from both coasts at a pace that pushed median prices well above where the market was even five years ago. You’re looking at $450K–$550K for a median single-family home in Davidson County, with certain suburbs running significantly higher.
The economy is broader than the music industry reputation suggests. HCA Healthcare is headquartered here and is one of the largest private employers in the state. Vanderbilt University and its hospital system anchor the Midtown corridor. Amazon, Oracle, and AllianceBernstein all made major Nashville commitments in recent years, adding a tech and finance layer on top of the existing healthcare and hospitality base.
Where you buy matters. Green Hills and Belle Meade are established money — $700K to $2M+ for well-maintained homes near Vanderbilt. Germantown and the Gulch attract buyers who want walkability and urban density, typically $400K–$800K for condos and townhomes. East Nashville has been the “it” neighborhood for years and has priced out accordingly — $450K–$750K for bungalows that were $150K fifteen years ago. Brentwood and Franklin in Williamson County are where families land when schools become the priority — expect $600K–$1.2M and strong competition.
Further out: Murfreesboro and Mt. Juliet offer more room at $350K–$550K and have both grown into real cities in their own right, not just bedroom communities.
Talk to a Loan Specialist — (833) 350-9185Loan Programs Available in Nashville
- FHA Loans — 3.5% down, good fit for first-time buyers in Murfreesboro, Antioch, and Mt. Juliet
- VA Loans — Zero down for eligible veterans and active duty
- Conventional Loans — The standard for buyers with 5–20% down and solid credit
- Jumbo Loans — Financing above conforming limits for Brentwood, Franklin, Belle Meade, and Green Hills
- Bank Statement Loans — For Nashville’s self-employed: musicians, contractors, business owners, and healthcare practice owners who don’t show income cleanly on tax returns
- DSCR Loans — Qualify on rental income for investment properties and short-term rentals
Nashville Housing Market
Nashville’s no-state-income-tax environment has been a sustained pull factor for high earners relocating from California, New York, and Illinois. That migration, combined with domestic in-migration from rural Tennessee, has kept demand elevated even as inventory has loosened slightly from 2021–2022 peaks.
Williamson County (Brentwood / Franklin) is where Nashville’s most competitive market lives. Brentwood regularly sees multiple offers on well-priced homes. Franklin’s historic downtown and newer master-planned communities like Westhaven attract buyers at $600K–$1.5M+. School districts are the main draw — Williamson County Schools consistently rank near the top of Tennessee.
Davidson County spans a huge range. 12South, Sylvan Park, and Hillsboro Village carry $500K–$900K price tags. Bordeaux and Donelson are the remaining spots with genuine entry points under $400K. New construction continues to push into areas like Antioch and Madison.
Short-term rentals are a significant piece of the Nashville investment market. The city gets millions of visitors annually — bachelorette parties, CMA Fest, Broadway tourism — and short-term rental yields can be strong in the right zip codes. DSCR loans are how most investors finance these without mixing personal and business income.
| Area | Price Range | Best Fit |
|---|---|---|
| Brentwood | $600K–$1.5M+ | Jumbo, conventional |
| Franklin | $550K–$1.2M | Jumbo, conventional |
| Green Hills / Belle Meade | $700K–$2M+ | Jumbo |
| Germantown / Gulch | $400K–$800K | Conventional, bank statement |
| East Nashville | $450K–$750K | Conventional, FHA |
| Murfreesboro | $350K–$550K | FHA, conventional, USDA (fringe areas) |
| Mt. Juliet | $380K–$600K | Conventional, FHA |
| Antioch / Madison | $280K–$420K | FHA, conventional |
Why Buyers in Nashville Choose 1st Nationwide
- We work with complex income. Nashville has a high concentration of self-employed borrowers — musicians, venue owners, healthcare practice owners, contractors. Bank statement loans let them qualify without a clean W-2 picture.
- Jumbo experience for Williamson County. A $700K home in Brentwood is routine. We work jumbo and conforming deals equally well and have competitive rates across both.
- Investor lending for STR and long-term rentals. The Nashville rental market is strong. DSCR loans let you qualify on what the property earns, not what you earn.
- Licensed in Tennessee, NMLS #1281. Direct lender — no broker fee layered on top.
Get Started
Buying or refinancing in Nashville, Brentwood, Franklin, or anywhere in Middle Tennessee — call (833) 350-9185 or apply online.