Home Insurance Estimator for Nashville, TN
Updated 2026 · Local data pre-filled
Home insurance rates vary widely within Tennessee, driven by weather risks, construction costs, and local claims history. The median home value in Nashville is $445,000, and we've pre-filled that as your dwelling coverage starting point. Adjust for your home's actual replacement cost for the most accurate estimate.
✓ Calculator below is pre-filled with Nashville local data
How Nashville Compares to the National Average
Understanding how Nashville stacks up helps you calibrate your financial planning.
| Metric | Nashville, TN | US Average | Difference |
|---|---|---|---|
| Median Home Price | $445,000 | $420,800 | +5.8% |
| Median Monthly Rent | $1,556 | $1,713 | -9.2% |
| Median Household Income | $72,200 | $74,580 | -3.2% |
| Property Tax Rate | 0.69% | 1.10% | -37.3% |
| Cost of Living Index | 112 | 100 | +12.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Nashville Financial Snapshot
- Population (Metro)
- 2,020,000
- Unemployment
- 2.9%
- Avg Commute
- 27 min
- Median Age
- 34.6
- Price-to-Rent Ratio
- 23.8x
- Annual Property Tax
- $3,071
Home Insurance Estimator in Other Tennessee Cities
Frequently Asked Questions — Nashville
What is the median home price in Nashville, TN?
The median home price in Nashville is $445,000 as of 2025–2026. This is above the national median of $420,800.
What is the average rent in Nashville?
Median monthly rent in Nashville is $1,556. That works out to $18,672/year, or 26% of the median household income — within the commonly recommended 30% of income guideline.
Is Nashville affordable?
Nashville's cost of living index is 112 vs. the national average of 100. With a median household income of $72,200/year and a median home price of $445,000, the price-to-income ratio is 6.2x. This makes homeownership a significant stretch for the typical Nashville household.
What is the property tax rate in Nashville?
The effective property tax rate in Nashville is 0.69% of assessed value. On the median home of $445,000, that's roughly $3,071/year ($256/month).