Market Overview
Home Prices in Kelso, TN
The median home value in Kelso, TN is $266,901 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7% compared to a year ago and up 4.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Kelso are priced35% below average.
Over the past five years, Kelso home values have risen by approximately47.0%, reflecting strong long-term appreciation in this market.
Price History
Kelso Home Price Trend
2020
$153,482
$153K
—
2021
$181,515
$182K
+18.3%
2022
$216,242
$216K
+19.1%
2023
$222,446
$222K
+2.9%
2024
$237,821
$238K
+6.9%
2025
$249,387
$249K
+4.9%
2026
$266,901
$267K
+7.0%
City Comparison
Kelso vs. National Median
🏠 Kelso
$266,901
National Median
$410,000
At $266,901, homes in Kelso cost 35% below the national median of $410,000. This makes Kelso a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Kelso?
20% Down Payment
$53,380
on $266,901
Monthly P&I
$1,392/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,768/mo
incl. taxes & insurance
Income Needed
$70,720
gross annual (30% rule)
10% Down Option
$26,690
+ PMI applies
Loan Amount (20% dn)
$213,521
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 Kelso, TN?
The median home value in Kelso is $266,901 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7% year-over-year.
How much have home prices changed in Kelso?
Over the past year, home values in Kelso have increased by 7%. Over five years, prices have risen approximately 47.0%.
How much do I need to earn to buy a home in Kelso?
To comfortably afford the median home price of $266,901 with a 20% down payment ($53,380) at today's rates (6.8%), you'd need a gross annual income of approximately $70,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Kelso compare to the national average home price?
The national median home value is approximately $410,000. At $266,901, homes in Kelso are 35% below the national average.