Market Overview
Home Prices in Surgoinsville, TN
The median home value in Surgoinsville, TN is $236,797 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.4% compared to a year ago and down 1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Surgoinsville are priced42% below average. Surgoinsville is part of the Kingsport-Bristol, TN-VA metro area.
Over the past five years, Surgoinsville home values have risen by approximately45.6%, reflecting strong long-term appreciation in this market.
Price History
Surgoinsville Home Price Trend
City Comparison
Surgoinsville vs. National Median
At $236,797, homes in Surgoinsville cost 42% below the national median of $410,000. This makes Surgoinsville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Surgoinsville?
20% Down Payment
$47,359
on $236,797
Monthly P&I
$1,235/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,568/mo
incl. taxes & insurance
Income Needed
$62,720
gross annual (30% rule)
10% Down Option
$23,680
+ PMI applies
Loan Amount (20% dn)
$189,438
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 Surgoinsville, TN?
The median home value in Surgoinsville is $236,797 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.4% year-over-year.
How much have home prices changed in Surgoinsville?
Over the past year, home values in Surgoinsville have increased by 8.4%. Over five years, prices have risen approximately 45.6%.
How much do I need to earn to buy a home in Surgoinsville?
To comfortably afford the median home price of $236,797 with a 20% down payment ($47,359) at today's rates (6.8%), you'd need a gross annual income of approximately $62,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Surgoinsville compare to the national average home price?
The national median home value is approximately $410,000. At $236,797, homes in Surgoinsville are 42% below the national average.
What metro area is Surgoinsville part of?
Surgoinsville is part of the Kingsport-Bristol, TN-VA metropolitan area. Home prices and market conditions can vary across the broader metro region.