Market Overview
Home Prices in Birchwood, TN
The median home value in Birchwood, TN is $363,836 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.9% compared to a year ago and up 1.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Birchwood are priced11% below average. Birchwood is part of the Chattanooga, TN-GA metro area.
Over the past five years, Birchwood home values have risen by approximately26.8%, reflecting strong long-term appreciation in this market.
Price History
Birchwood Home Price Trend
City Comparison
Birchwood vs. National Median
At $363,836, homes in Birchwood cost 11% below the national median of $410,000. This makes Birchwood a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Birchwood?
20% Down Payment
$72,767
on $363,836
Monthly P&I
$1,898/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,410/mo
incl. taxes & insurance
Income Needed
$96,400
gross annual (30% rule)
10% Down Option
$36,384
+ PMI applies
Loan Amount (20% dn)
$291,069
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Birchwood, TN?
The median home value in Birchwood is $363,836 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.9% year-over-year.
How much have home prices changed in Birchwood?
Over the past year, home values in Birchwood have increased by 0.9%. Over five years, prices have risen approximately 26.8%.
How much do I need to earn to buy a home in Birchwood?
To comfortably afford the median home price of $363,836 with a 20% down payment ($72,767) at today's rates (6.8%), you'd need a gross annual income of approximately $96,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Birchwood compare to the national average home price?
The national median home value is approximately $410,000. At $363,836, homes in Birchwood are 11% below the national average.
What metro area is Birchwood part of?
Birchwood is part of the Chattanooga, TN-GA metropolitan area. Home prices and market conditions can vary across the broader metro region.