The typical owner-occupied home in Kingston Springs is worth about $426,500, 49% above the Tennessee median of $286,700 and 28% above the national median of $332,700. Owners pay a median $2,185 a year in property taxes, about 0.51% of their home's value, close to the Tennessee rate of 0.50%. The median household earns $103,250 a year, so the median home costs 4.1 times the median income (4.1 times for Tennessee). 88% of occupied homes here are lived in by their owners, and 63% of those owners still have a mortgage.
Kingston Springs at a glance
| Kingston Springs | Tennessee | U.S. | |
|---|---|---|---|
| Median home value | $426,500 | $286,700 | $332,700 |
| Median property tax paid per year | $2,185 | $1,442 | $3,119 |
| Property tax as a share of value | 0.51% | 0.50% | 0.94% |
| Median household income | $103,250 | $69,595 | $80,734 |
| Homes lived in by their owners | 88% | 67% | 65% |
| Owner homes with a mortgage | 63% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,847 | $1,566 | $1,963 |
| Those costs as a share of the owners' income | 18.2% | 19.6% | 21.0% |
| Median rent | $1,164 | $1,189 | $1,413 |
| Rent as a share of renters' income | 30.0% | 29.5% | 30.6% |
| Median year homes were built | 1992 | 1987 | 1980 |
| Vacant homes | 0.9% | 10.2% | 10.1% |
| Population | 2,791 | 7,066,383 | 334,922,499 |
What a typical home costs per month in Kingston Springs
At this week's average 30-year rate of 7.11%, buying the median Kingston Springs home of $426,500 with 20% down costs about $2,654 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,365, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $113,753 for the 20%-down payment. That payment is 31% of the median Kingston Springs household income of $103,250; at that income and 20% down, the 28% guideline points to a home of about $387,000.
The median rent here is $1,164 a month, so owning the median home costs about $1,490 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $85,300 |
|---|---|
| Loan amount | $341,200 |
| Principal and interest | $2,295 |
| Property taxes (0.51% a year) | $181 |
| Homeowners insurance (our estimate, 0.5% a year) | $178 |
| PMI | $0 |
| Total per month | $2,654 |
Change the numbers in the calculator
| Down payment | $14,928 |
|---|---|
| Loan amount | $418,775 |
| Principal and interest | $2,817 |
| Property taxes (0.51% a year) | $181 |
| Homeowners insurance (our estimate, 0.5% a year) | $178 |
| FHA mortgage insurance | $189 |
| Total per month | $3,365 |
Change the numbers in the calculator
Questions about home buying in Kingston Springs
What is the median home value in Kingston Springs?
About $426,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kingston Springs?
Homeowners pay a median $2,185 a year, which is about 0.51% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Kingston Springs?
For the median home with 20% down at 7.11%, the payment is about $2,654 a month. Keeping that under 28% of gross income takes about $113,753 a year.
More about Kingston Springs
- Mortgage Refinance in Kingston Springs
- Debt Relief in Kingston Springs
- Home Equity Loans in Kingston Springs
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data