The typical owner-occupied home in Beech Bluff is worth about $162,100, 43% below the Tennessee median of $286,700 and 51% below the national median of $332,700. Owners pay a median $735 a year in property taxes, about 0.45% of their home's value, lower than the Tennessee rate of 0.50%. The median household earns $69,034 a year, so the median home costs 2.3 times the median income (4.1 times for Tennessee). 100% of occupied homes here are lived in by their owners, and 13% of those owners still have a mortgage.
Beech Bluff at a glance
| Beech Bluff | Tennessee | U.S. | |
|---|---|---|---|
| Median home value | $162,100 | $286,700 | $332,700 |
| Median property tax paid per year | $735 | $1,442 | $3,119 |
| Property tax as a share of value | 0.45% | 0.50% | 0.94% |
| Median household income | $69,034 | $69,595 | $80,734 |
| Homes lived in by their owners | 100% | 67% | 65% |
| Owner homes with a mortgage | 13% | 58% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,566 | $1,963 |
| Median rent | – | $1,189 | $1,413 |
| Median year homes were built | 1989 | 1987 | 1980 |
| Vacant homes | 0.0% | 10.2% | 10.1% |
| Population | 437 | 7,066,383 | 334,922,499 |
What a typical home costs per month in Beech Bluff
At this week's average 30-year rate of 7.11%, buying the median Beech Bluff home of $162,100 with 20% down costs about $1,001 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,271, 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 $42,887 for the 20%-down payment. That payment is 17% of the median Beech Bluff household income of $69,034; at that income and 20% down, the 28% guideline points to a home of about $261,000.
| Down payment | $32,420 |
|---|---|
| Loan amount | $129,680 |
| Principal and interest | $872 |
| Property taxes (0.45% a year) | $61 |
| Homeowners insurance (our estimate, 0.5% a year) | $68 |
| PMI | $0 |
| Total per month | $1,001 |
Change the numbers in the calculator
| Down payment | $5,674 |
|---|---|
| Loan amount | $159,164 |
| Principal and interest | $1,071 |
| Property taxes (0.45% a year) | $61 |
| Homeowners insurance (our estimate, 0.5% a year) | $68 |
| FHA mortgage insurance | $72 |
| Total per month | $1,271 |
Change the numbers in the calculator
Questions about home buying in Beech Bluff
What is the median home value in Beech Bluff?
About $162,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Beech Bluff?
Homeowners pay a median $735 a year, which is about 0.45% 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 Beech Bluff?
For the median home with 20% down at 7.11%, the payment is about $1,001 a month. Keeping that under 28% of gross income takes about $42,887 a year.
More about Beech Bluff
- Mortgage Refinance in Beech Bluff
- Debt Relief in Beech Bluff
- Home Equity Loans in Beech Bluff
- 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