Finley, TN 38030 housing market

What this means

• Prices. Home values are flat over the past year (U.S.: +1.2%).
• Supply. Listings are 100% below the 2017-19 norm and falling (−100% vs. a year ago): still a tight market.
• Negotiating. Buyer leverage is low (9/100; U.S.: 54) (as of Mar 2026): homes sell for about 4.9% below their final list price (as of Apr 2026); 0% of listings had a price cut (U.S.: 26%) (as of Sep 2025).
• Affordability. A mortgage on the typical home takes 11% of the median household income (U.S.: 35%); it takes about $45k a year to keep the payment at 30% of gross pay. That includes about $1,583 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $264 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from earthquakes. Earthquakes aren't covered by standard homeowners insurance.
• Outlook. Leaning up: likely −7% to +10% over the next 12 months (68% chance of a rise).

Next 12 months

Leaning up

Prices are more likely to rise than fall over the next year. Likely change: −6.5% to +9.8% (80% range; middle estimate +2.8%), chance of a rise 68%, of a 5%+ drop 13%.

HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.

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