Median home value in zip code 38574 (Monterey, TN) is $279,185, up 3.7% year over year. Part of the Cookeville, TN metropolitan area.

Home Value$279,185

YoY Change

+3.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 38574 (Monterey).

Income (annual)

Down Payment

$55,837 on $279,185

Example: $75,000 household income. Change it above to see your own.

Affordable27.9% of income

Under the 28% guideline.

PITI$1,744

P/I27.9%

Afford$280K

Room+$960

P&I $1,412Tax $165Ins $167

6.50% 30yr, 20% down, county tax + TN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

38574 is part of the Cookeville, TN metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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