The story of this market
The typical home in Putnam County, Tennessee sells for about $355,900, or $194 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 125 days to sell, which is slow. Over the long run, values in this county have grown 151% since 2000. Last year 13 of 18 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is lightning, which FEMA rates very high. HUD's fair market rent for a two-bedroom is $1,102 a month.
HUD sets the fair market rent for a 2-bedroom at $1,102 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Price climate
Every year of price change, 2000–2025
+0.5%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+20.8%). Worst: 2010 (-1.2%). Hover to read a year.
Monthly price momentum
Home values since 2015
-0.4%
TN · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,502
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+0.5%
2025 change
FHFA repeat-sales index, median of 18 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
53
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $24,384,743.
Mortgage activity
Home lending in this county
78.5%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 2675 | 1331 | 78.5% | 8.1% | $175,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Putnam County, Tennessee
The Putnam County housing market is currently experiencing moderate price appreciation with a median sale price of $355,900. Inventory levels remain constrained, contributing to a balanced market environment for buyers and sellers. Market activity has slowed slightly compared to the previous year, reflected in longer days on market.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 4 cities · 6 ZIP reports
Median prices moved up 0.8% year over year.
Homes spend a median of 44 days on market with 0.9 months of supply — a fast-moving market.
3% of listings have cut prices · homes sell at 20.89% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.8% · poverty 14.2% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 5 researched ZIP reports of 6 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 17
researched Sep 21
researched Sep 17
researched Sep 17
researched Sep 21
researched Sep 21
| 38501 | Cookeville | $306,000 | $200 | -0.2% | 48 | — | — | — | 559 | $883 | researched Sep 17 |
| 38503 | Cookeville | $343,450 | $175 | +2.4% | 58 | 97.5% | 12.5% | 4.2 | 109 | $1,350 | researched Sep 21 |
| 38505 | Cookeville | $362,000 | $200 | +1.1% | 113 | — | — | — | 559 | $1,400 | researched Sep 17 |
| 38506 | Cookeville | $357,250 | $200 | +1.3% | 48 | — | — | — | 17 | $1,007 | researched Sep 17 |
| 38544 | Baxter | $169,900 | $180 | 0% | — | — | — | — | 149 | $955 | researched Sep 21 |
| 38574 | Monterey | $120,000 | $230 | 0% | 29 | — | — | — | 357 | $754 | researched Sep 21 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
- Chuckles4.326.6 mi
- Thrive Family Fun Center3.91.2 mi
- 123 Bounce Party4.92.7 mi
- Golden Corral Buffet & Grill4.31.7 mi
- Cumberland County Playhouse4.825.8 mi
- Tucker Stadium4.33.4 mi
- Grinder House Coffee Shop4.628.3 mi
- DelMonaco Winery & Vineyards4.67.9 mi
- Burgess Falls State Park4.89.1 mi
- Cummins Falls State Park4.79.4 mi
- Edgar Evins State Park4.718.9 mi
- Cane Creek Park4.73.7 mi
- Window Cliffs State Natural Area4.79.7 mi
- Spring Castle4.724.4 mi
- Cookeville Depot Museum4.72.6 mi
- Cookeville History Museum4.82.5 mi
- Monterey Depot Museum4.711.8 mi
- Military Memorial Museum4.828.4 mi
- Burgess Falls State Park4.89.1 mi
- Cummins Falls State Park4.79.4 mi
- Edgar Evins State Park4.718.9 mi
- Cane Creek Park4.73.7 mi
- Window Cliffs State Natural Area4.79.7 mi
- Hurricane Marina4.817 mi
- Center Hill Marina & Yacht Club4.721.6 mi
- Mitchell Creek Marina & Resort4.426.8 mi
- Hidden Harbor Marina4.820.7 mi
- Fishlipz Grill at Pates Ford Resort & Marina LLC4.520.5 mi
- Honky Tonk National Golf4.316.9 mi
- White Plains Golf Course3.94 mi
- Tennessee Tech Golden Eagle Golf Club4.33.4 mi
- Cumberland Cove Golf Course4.114.5 mi
- Belle Acres Golf Course3.82 mi
- Publix Super Market at The Shoppes at Eagle Point4.61.9 mi
- T.J. Maxx4.32.8 mi
- Kohl's4.22.8 mi
- Ross Dress for Less4.21.7 mi
- Farmers' Storehouse4.913.5 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Data retrieved from data.census.gov