Market Overview
Home Prices in Shady Valley, TN
The median home value in Shady Valley, TN is $250,940 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.9% compared to a year ago and up 2.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Shady Valley are priced39% below average.
Price History
Shady Valley Home Price Trend
2022
$218,829
$219K
—
2023
$212,117
$212K
-3.1%
2024
$236,255
$236K
+11.4%
2025
$241,621
$242K
+2.3%
2026
$250,940
$251K
+3.9%
City Comparison
Shady Valley vs. National Median
🏠 Shady Valley
$250,940
National Median
$410,000
At $250,940, homes in Shady Valley cost 39% below the national median of $410,000. This makes Shady Valley a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Shady Valley?
20% Down Payment
$50,188
on $250,940
Monthly P&I
$1,309/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,662/mo
incl. taxes & insurance
Income Needed
$66,480
gross annual (30% rule)
10% Down Option
$25,094
+ PMI applies
Loan Amount (20% dn)
$200,752
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 Shady Valley, TN?
The median home value in Shady Valley is $250,940 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.9% year-over-year.
How much have home prices changed in Shady Valley?
Over the past year, home values in Shady Valley have increased by 3.9%.
How much do I need to earn to buy a home in Shady Valley?
To comfortably afford the median home price of $250,940 with a 20% down payment ($50,188) at today's rates (6.8%), you'd need a gross annual income of approximately $66,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Shady Valley compare to the national average home price?
The national median home value is approximately $410,000. At $250,940, homes in Shady Valley are 39% below the national average.