Market Overview
Home Prices in Bluff City, TN
The median home value in Bluff City, TN is $275,473 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.3% compared to a year ago and up 1.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Bluff City are priced33% below average. Bluff City is part of the Kingsport-Bristol, TN-VA metro area.
Over the past five years, Bluff City home values have risen by approximately42.2%, reflecting strong long-term appreciation in this market.
Price History
Bluff City Home Price Trend
City Comparison
Bluff City vs. National Median
At $275,473, homes in Bluff City cost 33% below the national median of $410,000. This makes Bluff City a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Bluff City?
20% Down Payment
$55,095
on $275,473
Monthly P&I
$1,437/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,825/mo
incl. taxes & insurance
Income Needed
$73,000
gross annual (30% rule)
10% Down Option
$27,547
+ PMI applies
Loan Amount (20% dn)
$220,378
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 Bluff City, TN?
The median home value in Bluff City is $275,473 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.3% year-over-year.
How much have home prices changed in Bluff City?
Over the past year, home values in Bluff City have increased by 2.3%. Over five years, prices have risen approximately 42.2%.
How much do I need to earn to buy a home in Bluff City?
To comfortably afford the median home price of $275,473 with a 20% down payment ($55,095) at today's rates (6.8%), you'd need a gross annual income of approximately $73,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Bluff City compare to the national average home price?
The national median home value is approximately $410,000. At $275,473, homes in Bluff City are 33% below the national average.
What metro area is Bluff City part of?
Bluff City is part of the Kingsport-Bristol, TN-VA metropolitan area. Home prices and market conditions can vary across the broader metro region.