Is Jefferson County, TN good for real estate investing?

Jefferson County has an investment score of 54/100, rated as "Hold". The county ranks #698 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Jefferson?

The rent-to-price ratio in Jefferson County is 5.45% annually, which ranks in the 37th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Jefferson?

The median home price in Jefferson County is $323,945. This ranks #644 in affordability among all US counties.

Can you cash flow on rental properties in Jefferson?

Based on median values with 20% down at current rates, a typical rental in Jefferson County would generate negative cash flow of $741/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Jefferson County

TennesseePopulation: 55,017

/100

Hold

#698 of 1,000 counties

#57 in Tennessee (95 counties)

Market Snapshot

$323,945

Median Home Price

18% above national median

$1,472/mo

Median Rent

2% below national median

5.45%

Rent-to-Price Ratio

Top 63% nationally

-$741

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$323,945

Down Payment (20%)$64,789

Loan Amount$259,156

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,472

Monthly P&I-$1,698

Est. Expenses (35%)-$515

Net Cash Flow-$741/mo

3.5%

Cap Rate (all cash)

-11.9%

Cash-on-Cash Return

5.45%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.5% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

54/100

Cash Flow(30%)

52/100

Based on 5.45% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

65/100

Based on 1.5% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

50/100

Price-to-income ratio of 5.4x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Complete rent data available

Challenges

-Negative cash flow at typical financing (-$741/mo)
-Negative leverage (cap rate 3.5% < mortgage rate 6.9%)

Economic Indicators

Population

55,017

Median Income

$60,393

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

5.4x

Less affordable

Compare to Nearby Counties

County					Verdict
PutnamTN	55	$306,250	$1,486	5.82%	Hold	View
CurrentJeffersonTN	54	$323,945	$1,472	5.45%	Hold
KnoxTN	54	$369,942	$1,788	5.80%	Hold	View
DyerTN	54	$163,923	$811	5.94%	Hold	View
HardemanTN	54	$151,244	Est. pending	—	Hold	View
CampbellTN	53	$232,940	Est. pending	—	Hold	View

The Bottom Line

HoldJefferson is a neutral market. Consider house hacking or targeting below-market deals.

Jefferson County in Tennessee scores 54/100, ranking #698 of 1,000 US counties (top 70%). The 5.45% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-741/mo

Cap Rate

3.5%

Cash-on-Cash

-11.9%

Ready to Analyze a Deal in Jefferson?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$323,945

Down Payment (20%)$64,789

Loan Amount$259,156

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,472

Monthly P&I-$1,698

Est. Expenses (35%)-$515

Net Cash Flow-$741/mo

3.5%

Cap Rate (all cash)

-11.9%

Cash-on-Cash Return

5.45%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.5% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

54/100

Cash Flow(30%)

52/100

Based on 5.45% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

65/100

Based on 1.5% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

50/100

Price-to-income ratio of 5.4x. Lower ratios indicate more affordable markets.

County

Verdict

PutnamTN

$306,250

$1,486

5.82%

Hold

View

CurrentJeffersonTN

$323,945

$1,472

5.45%

Hold

KnoxTN

$369,942

$1,788

5.80%

Hold

View

DyerTN

$163,923

$811

5.94%

Hold

View

HardemanTN

$151,244

Est. pending

—

Hold

View

CampbellTN

$232,940

Est. pending

—

Hold

View

The Bottom Line

HoldJefferson is a neutral market. Consider house hacking or targeting below-market deals.

Monthly Cash Flow

$-741/mo

Cap Rate

3.5%

Cash-on-Cash

-11.9%