The median home in Oakland, Tennessee is valued at $351,886, down 0.7% year over year. Typical monthly rent is $2,001, producing a price-to-rent ratio of 14.7x — below the national average of 18x. Oakland is part of the Memphis, TN-MS-AR metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$351,886
-0.7%
Rent$2,001/mo
AFFORDABILITYRenting $153/mo cheaper ($2,001 rent)6.50% 30yr, 20% down, county tax + TN ins. 28% per HUD.
Enter your income for Oakland.
$70,377 on $351,886
Stretch — 34.5% of income
Above 28% but manageable with cuts.
PITI$2,154
P/I34.5%
Afford$286K
Gap-$66K
P&I $1,779Tax $208Ins $167
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Tennessee
Compare Oakland with other housing markets across Tennessee.
Full Memphis, TN-MS-AR analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Memphis, TN-MS-AR metro.
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