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 |
How much equity Beech Bluff owners could borrow
Home equity is what your home is worth minus what you owe. Most lenders let you borrow until your loans add up to 80% to 85% of the home's value. For the median Beech Bluff home of $162,100, 80% is $129,680.
87% of Beech Bluff owners have no mortgage at all, so they could borrow up to the full 80% limit.
If you instead refinance and take cash out, the whole loan moves to the new rate (this week's 30-year average is 7.11%). A home equity loan or line of credit keeps your current first mortgage, which is usually better when your existing rate is lower than today's.
| Owe nothing | $129,680 to $137,785 |
|---|---|
| Owe $40,525 | $89,155 to $97,260 |
| Owe $81,050 | $48,630 to $56,735 |
| Owe $105,365 | $24,315 to $32,420 |
Before the lender's own limits, fees and your credit and income checks.
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Questions about home equity loans 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.
How much can I borrow against my home in Beech Bluff?
Usually up to 80% to 85% of your home's value, minus what you owe. On the median home of $162,100, an 80% limit is $129,680 before subtracting your mortgage.
More about Beech Bluff
- Mortgage Refinance in Beech Bluff
- Home Buying in Beech Bluff
- Debt Relief 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