The typical owner-occupied home in Celina is worth about $203,200, 29% below the Tennessee median of $286,700 and 39% below the national median of $332,700. Owners pay a median $679 a year in property taxes, about 0.33% of their home's value, lower than the Tennessee rate of 0.50%. The median household earns $32,220 a year, so the median home costs 6.3 times the median income (4.1 times for Tennessee). 35% of occupied homes here are lived in by their owners, and 36% of those owners still have a mortgage.
Celina at a glance
| Celina | Tennessee | U.S. | |
|---|---|---|---|
| Median home value | $203,200 | $286,700 | $332,700 |
| Median property tax paid per year | $679 | $1,442 | $3,119 |
| Property tax as a share of value | 0.33% | 0.50% | 0.94% |
| Median household income | $32,220 | $69,595 | $80,734 |
| Homes lived in by their owners | 35% | 67% | 65% |
| Owner homes with a mortgage | 36% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,628 | $1,566 | $1,963 |
| Those costs as a share of the owners' income | 27.0% | 19.6% | 21.0% |
| Median rent | $536 | $1,189 | $1,413 |
| Rent as a share of renters' income | 21.1% | 29.5% | 30.6% |
| Median year homes were built | 1982 | 1987 | 1980 |
| Vacant homes | 8.1% | 10.2% | 10.1% |
| Population | 1,941 | 7,066,383 | 334,922,499 |
What a typical home costs per month in Celina
At this week's average 30-year rate of 7.11%, buying the median Celina home of $203,200 with 20% down costs about $1,234 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,573, 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 $52,890 for the 20%-down payment. That payment is 46% of the median Celina household income of $32,220; at that income and 20% down, the 28% guideline points to a home of about $124,000.
The median rent here is $536 a month, so owning the median home costs about $698 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $40,640 |
|---|---|
| Loan amount | $162,560 |
| Principal and interest | $1,094 |
| Property taxes (0.33% a year) | $56 |
| Homeowners insurance (our estimate, 0.5% a year) | $85 |
| PMI | $0 |
| Total per month | $1,234 |
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| Down payment | $7,112 |
|---|---|
| Loan amount | $199,520 |
| Principal and interest | $1,342 |
| Property taxes (0.33% a year) | $56 |
| Homeowners insurance (our estimate, 0.5% a year) | $85 |
| FHA mortgage insurance | $90 |
| Total per month | $1,573 |
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Questions about home buying in Celina
What is the median home value in Celina?
About $203,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Celina?
Homeowners pay a median $679 a year, which is about 0.33% 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 Celina?
For the median home with 20% down at 7.11%, the payment is about $1,234 a month. Keeping that under 28% of gross income takes about $52,890 a year.
More about Celina
- Mortgage Refinance in Celina
- Debt Relief in Celina
- Home Equity Loans in Celina
- 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