Market Overview
Home Prices in Whitwell, TN
The median home value in Whitwell, TN is $233,539 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.9% compared to a year ago and up 0.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Whitwell are priced43% below average. Whitwell is part of the Chattanooga, TN-GA metro area.
Over the past five years, Whitwell home values have risen by approximately31.0%, reflecting strong long-term appreciation in this market.
Price History
Whitwell Home Price Trend
City Comparison
Whitwell vs. National Median
At $233,539, homes in Whitwell cost 43% below the national median of $410,000. This makes Whitwell a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Whitwell?
20% Down Payment
$46,708
on $233,539
Monthly P&I
$1,218/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,547/mo
incl. taxes & insurance
Income Needed
$61,880
gross annual (30% rule)
10% Down Option
$23,354
+ PMI applies
Loan Amount (20% dn)
$186,831
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 Whitwell, TN?
The median home value in Whitwell is $233,539 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.9% year-over-year.
How much have home prices changed in Whitwell?
Over the past year, home values in Whitwell have increased by 1.9%. Over five years, prices have risen approximately 31.0%.
How much do I need to earn to buy a home in Whitwell?
To comfortably afford the median home price of $233,539 with a 20% down payment ($46,708) at today's rates (6.8%), you'd need a gross annual income of approximately $61,880. This assumes keeping total housing costs at or below 30% of gross income.
How does Whitwell compare to the national average home price?
The national median home value is approximately $410,000. At $233,539, homes in Whitwell are 43% below the national average.
What metro area is Whitwell part of?
Whitwell is part of the Chattanooga, TN-GA metropolitan area. Home prices and market conditions can vary across the broader metro region.