Sumner County Housing Market Report: Fall 2026 Update
How is the Sumner County housing market doing in fall 2026? Prices are holding firm while sales slow. Sumner County’s third-quarter 2026 median sale price hit $476,000, up 6% from a year earlier, but closed sales fell 8% and homes took longer to sell. With about 4.3 months of supply, the Sumner County housing market sits in balanced territory, leaning slightly toward sellers.
If you’re thinking about buying or selling in Hendersonville, Gallatin, or anywhere in Sumner County this fall, here’s what the latest numbers say, where mortgage rates stand, and how to turn the data into a plan.
Key takeaways
- Sumner County’s Q3 2026 median sale price was $476,000, the highest third-quarter median in five years of comparable data (Zeitlin Sotheby’s International Realty, RealTracs data).
- September 2026: 349 closings at a $446,000 median, 34 average days on market, and 4.32 months of supply (RealTracs via Grant Hammond, preliminary).
- Mortgage rates are higher than last year: Freddie Mac’s 30-year average was 7.40% on October 15, 2026, versus 6.27% a year earlier.
- Buyers have more time to shop than in past years. Sellers still benefit from tighter supply than most of the region.
What do the Q3 2026 numbers show for Sumner County?
The quarterly report from Zeitlin Sotheby’s International Realty, built on RealTracs MLS data and summarized by Iron Hill Mortgage on October 18, 2026, compares July through September 2026 with the same stretch of 2025:
| Sumner County, Q3 | 2025 | 2026 | Change |
|---|---|---|---|
| Median sale price | $450,000 | $476,000 | +6% |
| Closed sales | 959 | 884 | -8% |
| Average days on market | 33 | 38 | +15% |
| Closings under $500,000 | 546 | 494 | -10% |
A few details stand out:
- Homes under $500,000 were still 55.9% of all sales. Sumner remains a mid-priced market by Nashville-area standards.
- Inventory ended the quarter at 1,663 homes, up 2% from a year earlier.
- Days on market have climbed every year in the five-year comparison, from 16 days in Q3 2022 to 38 days in Q3 2026.
How tight is supply in Sumner County right now?
Months of supply is how long it would take to sell every active listing at the current sales pace. Under four months generally favors sellers, four to six is balanced, and over six favors buyers.
According to Compass broker Grant Hammond’s preliminary September 2026 RealTracs analysis (published October 5, 2026), Sumner County had 4.32 months of supply. That was the second-tightest of the ten Middle Tennessee counties he tracks, just behind Wilson County at 4.22 months. The ten-county region was at 5.41 months. Hammond also reported Sumner’s September median at $446,000 with an average price of $532,416.
What it means: Sumner buyers aren’t facing the bidding wars of 2021 and 2022, but well-priced homes in popular Hendersonville neighborhoods can still move quickly. Preliminary monthly figures can be revised as late sales are entered.
How does Sumner compare with Greater Nashville?
Greater Nashville REALTORS® reported a September 2026 residential median of $510,000 for its nine-county area, up from $490,000 a year earlier. Sumner’s monthly median of $446,000 sits below that regional figure. That’s one reason many Nashville workers look north to Hendersonville, which is about 18 miles from downtown.
Where are mortgage rates in October 2026?
- Freddie Mac PMMS: the 30-year fixed averaged 7.40% as of October 15, 2026, unchanged from the week before and up from 6.27% a year earlier. The 15-year fixed averaged 6.71%. (Freddie Mac)
- Mortgage News Daily: on October 20, 2026, its daily index showed a top-tier 30-year fixed at 7.40%, 30-year FHA at 7.02%, 30-year VA at 7.04%, and 30-year jumbo at 7.65%. (Mortgage News Daily)
Rates have bounced around a lot this fall, so averages are only a starting point. Your actual rate depends on your credit, down payment, loan type, and the lender. As a broker, we can compare pricing from multiple lenders on the same day.
What should Sumner County buyers do this fall?
- Get preapproved first. With homes sitting longer, a solid preapproval gives you room to negotiate on price, repairs, or seller-paid closing costs.
- Look at the full loan menu. Conventional loans can start at 3% down for qualified buyers, FHA at 3.5%, and eligible veterans may qualify for $0 down with a VA loan. See our VA loan guide for Hendersonville and our first-time home buyer guide.
- Run the payment, not just the price. At today’s rates, small rate differences change your monthly payment more than you might expect.
- Think about the lake. Waterfront homes follow their own rules. Read our Old Hickory Lake homes guide before you tour.
What should sellers know?
Sumner’s supply is still tighter than most of Middle Tennessee, but buyers have more choices than they did a few years ago. Pricing right from day one matters, since longer market times can lead to price cuts. Many sellers also offer credits toward a buyer’s closing costs or a rate buydown to stand out.
Are investors still buying in Sumner County?
Some are. Investors often use DSCR loans (Debt Service Coverage Ratio). A DSCR loan is an investment-property mortgage qualified mainly on whether the property’s rent covers its payment, not on the borrower’s personal income. Coastal Funding offers DSCR loans nationwide, including for Sumner County rentals.
A little local flavor: Sumner County’s long history
Sumner County homes sit on some of the oldest settled ground in Middle Tennessee. Historic Rock Castle in Hendersonville, begun in 1784 by surveyor Daniel Smith and finished by 1796, is called the oldest house in Middle Tennessee by the Friends of Rock Castle. Today it’s a state historic site on the shores of Old Hickory Lake. It’s a great fall outing between open houses.
Frequently Asked Questions
What is the median home price in Sumner County?
Sumner County’s Q3 2026 median sale price was $476,000, according to a Zeitlin Sotheby’s International Realty report using RealTracs data. The preliminary September 2026 median was $446,000.
Is Sumner County a buyer’s or seller’s market?
It’s balanced, leaning slightly toward sellers. Sumner had 4.32 months of supply in September 2026, versus 5.41 months for the ten-county Middle Tennessee region.
How long do homes take to sell in Sumner County?
Homes averaged 38 days on market in Q3 2026, up from 33 days a year earlier. Closed sales in September 2026 averaged 34 days.
What are mortgage rates right now?
Freddie Mac’s 30-year fixed average was 7.40% as of October 15, 2026. Your own rate depends on credit, down payment, loan type, and lender.
What loan options are available for Sumner County buyers?
Coastal Funding offers conventional, FHA, VA, USDA, and jumbo loans for primary residences in Tennessee, plus DSCR loans for investment properties.
Planning a Move in Sumner County? Let’s Talk
Call CFC Mortgage — Hendersonville at (615) 357-7800 or visit www.hendersonvillemtg.com to talk with a licensed loan officer about your options. NMLS 103035.
About the author
This guide was written by the team at CFC Mortgage — Hendersonville, part of Coastal Funding Corporation (NMLS 103035). We’re a mortgage broker, so we compare loan programs from many lenders for buyers and homeowners across Hendersonville, Sumner County, and Middle Tennessee. Our options include conventional, FHA, VA, USDA, jumbo, and DSCR investment loans.
Coastal Funding Corporation (CFC Mortgage — Hendersonville) | NMLS 103035 | 534 S. Navy Blvd, Pensacola, FL 32507 | (615) 357-7800 | www.hendersonvillemtg.com. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Rates, terms, and programs are subject to change without notice. Rate and market figures cited are third-party data as of the dates shown and are not quotes or offers from Coastal Funding Corporation. Primary-residence loans offered in FL, SC, and TN; DSCR loans available nationwide.