Market Overview
Home Prices in Spring City, TN
The median home value in Spring City, TN is $285,759 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.9% compared to a year ago and up 0.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Spring City are priced30% below average. Spring City is part of the Dayton, TN metro area.
Over the past five years, Spring City home values have risen by approximately28.6%, reflecting strong long-term appreciation in this market.
Price History
Spring City Home Price Trend
City Comparison
Spring City vs. National Median
At $285,759, homes in Spring City cost 30% below the national median of $410,000. This makes Spring City a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Spring City?
20% Down Payment
$57,152
on $285,759
Monthly P&I
$1,490/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,892/mo
incl. taxes & insurance
Income Needed
$75,680
gross annual (30% rule)
10% Down Option
$28,576
+ PMI applies
Loan Amount (20% dn)
$228,607
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 Spring City, TN?
The median home value in Spring City is $285,759 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.9% year-over-year.
How much have home prices changed in Spring City?
Over the past year, home values in Spring City have increased by 4.9%. Over five years, prices have risen approximately 28.6%.
How much do I need to earn to buy a home in Spring City?
To comfortably afford the median home price of $285,759 with a 20% down payment ($57,152) at today's rates (6.8%), you'd need a gross annual income of approximately $75,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Spring City compare to the national average home price?
The national median home value is approximately $410,000. At $285,759, homes in Spring City are 30% below the national average.
What metro area is Spring City part of?
Spring City is part of the Dayton, TN metropolitan area. Home prices and market conditions can vary across the broader metro region.