The story of this market
The typical home in Lawrence County, Tennessee sells for about $251,269, or $143 per square foot.
Prices are up +4.81% from a year ago, so sellers still have some momentum. Homes take about 73 days to sell, which is slow. Over the long run, values in this county have grown 137% since 2000. Last year 2 of 7 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is lightning, which FEMA rates very high. HUD's fair market rent for a two-bedroom is $1,008 a month.
HUD sets the fair market rent for a 2-bedroom at $1,008 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Price climate
Every year of price change, 2000–2025
-3.1%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+19.8%). Worst: 2014 (-5.5%). Hover to read a year.
Monthly price momentum
Home values since 2015
-0.4%
TN · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,201
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
-3.1%
2025 change
FHFA repeat-sales index, median of 7 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
72
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $22,269,958.
Mortgage activity
Home lending in this county
74.6%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 1380 | 700 | 74.6% | 0% | $165,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Lawrence County, Tennessee
Lawrence County is experiencing a steady housing market with moderate price appreciation and a shift toward a buyer's market. While inventory levels have increased, demand remains supported by local economic stability and population growth.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 3 cities · 4 ZIP reports
Median prices moved sideways 0.0% year over year.
Homes spend a median of 87 days on market with 0.0 months of supply — a fast-moving market.
25% of listings have cut prices · homes sell at 0.07% of asking — demand is cooling.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.9% · poverty 14.2% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 3 researched ZIP reports of 4 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Lawrence County, Tennessee — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 17
researched Sep 17
researched Sep 30
researched Sep 17
| 38464 | Lawrenceburg | $329,000 | $174 | 0% | 87 | — | 25% | — | 236 | $758 | researched Sep 17 |
| 38469 | Loretto | $350,900 | $34 | +10.7% | 84 | 96% | — | 21.8 | 174 | $688 | researched Sep 17 |
| 38474 | Mount Pleasant | $329,450 | $158 | -12.7% | 82 | 98.5% | 15% | 6.9 | 111 | $774 | researched Sep 30 |
| 38481 | Saint Joseph | $245,000 | $142 | +2.1% | 68 | 97.2% | 12.5% | 5.2 | 42 | $628 | researched Sep 17 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
The violent crime rate in Lawrence County was recorded at 322 per 100,000 residents in 2024. Regional comparisons indicate this is generally consistent with rural Tennessee trends.
Public education is provided primarily through the Lawrence County School District, which serves the county's diverse rural and small-town communities.
The area faces standard regional risks including severe thunderstorms and occasional flooding in low-lying areas near local waterways. Property insurance markets remain stable but are subject to broader Tennessee premium trends.
Economic momentum is driven by a mix of manufacturing, agriculture, and small business sectors. Infrastructure development remains focused on maintaining connectivity along the Highway 43 corridor.
Property taxes are assessed at the county level based on appraised values. The jurisdiction utilizes a standard assessment formula with specific exemptions for homesteads and agricultural land as permitted by state law.
The rental market has seen a 9.76% year-over-year increase in median asking rents, reflecting tightening supply pressures.
The economy is anchored by manufacturing and agricultural production, with steady employment growth supporting the local population.
Highway 43 serves as the primary transportation artery, facilitating regional connectivity and commuting to neighboring counties.
The county appraisal district conducts periodic assessments to determine property values for tax purposes in accordance with state mandates.
The county is served by local utility and school districts that manage essential services and educational infrastructure.
Property insurance premiums in the county generally align with statewide averages, reflecting typical regional hazard exposure.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A major regional attraction offering camping, hiking, and fishing, serving as a primary recreational anchor for the county.
The heart of the county seat, featuring local businesses and historic architecture that define the community's character.
Data retrieved from US Census Bureau QuickFacts and MoverMath profiles.
applies when — Applies to residential parcels created as condominiums on or after January 1, 2009.
Governs the creation, management, and operation of condominium associations, including unit owner rights, common element maintenance, and assessment authority.
Tennessee Code Annotated, Title 66, Chapter 27.
applies when — Applies to residential parcels governed by a homeowners' association or declaration of covenants.
Imposes specific constraints on associations, including: vested rights for owners to maintain long-term rentals if covenants are amended, prohibition on foreclosure for failure to pay special assessments for nonessential amenities, and requirements for fidelity bonds.
Tennessee Code Annotated, Title 66, Chapter 27, Parts 6-10.
applies when — Applies to residential parcels encumbered by a deed of trust or mortgage containing a power of sale clause.
Allows for non-judicial foreclosure. Requires public notice at least 20 days in advance of the sale, published in a newspaper in the county and/or posted on the secretary of state's website. The trustee must be a licensed Tennessee attorney.
Tennessee Code Annotated, Title 35, Chapter 5; amended by HB1355 (2023) and HB1155 (2011).
Property is assessed at a percentage of its fair market value: 25% for residential property. The tax amount is calculated by multiplying the assessed value by the local tax rate (per $100 of assessed value).
Tennessee Code Annotated, Title 67, Chapter 5; assessments are based on status as of January 1 annually.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.