LivabilityCalc
Find Your City
City Housing Verdict

Dunlap, TN

High Pressure

Your dollar goes further in Dunlap, TN — everyday costs run about 14% below the national average (Cost Index: 86). Housing is especially affordable: the median home is valued at $265,636, well under the $303,400 US median. The local median household income of $38,666 tends to stretch further here than in most parts of the country.

Dunlap already reads as a high-pressure housing market, with 28% rent burden, 6.9x home-price-to-income, and a housing index of 88. Treat this page as a stress test for rent, mortgage, and tax burden before assuming the move works.Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI

Data Updated: March 2026
Housing Feasibility Verdict
Stretch

Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for Dunlap.

Monthly Housing
$890/mo
Lower of rent or buy scenario
Housing Burden
28%
Healthy
Residual Cash
$1,832/mo
After housing and debt · $611/person
Rent vs Buy
Rent first
Main pressure: home prices
Assumptions
Housing Mode
Confidence: MediumHome source: ZILLOWRent source: ACSBEA proxy: msaHousehold size: 3Down payment: 20%Fixed burden: 43%
Uses a URL fragment, so it does not create a separate indexed page.
Cost Index
86
Affordable
Based on housing costs · See methodology
Median Home Value
$265,636
Zillow ZHVI Market Rate • Census ACS: $148,300
National: $303,400
Median Rent
$890/mo
Source: Census ACS
National: $1,348/mo
Household Income
$38,666
National: $78,538
Population
5,546
Purchasing Power
57
100 = national baseline

Cost of Living Breakdown

Each index uses 100 as the US national average. A score of 150 means 50% more expensive; 80 means 20% cheaper.

Housing Cost Index
88 / 100
12% below average
Rent Index
66 / 100
34% below average
Goods & Groceries
96 / 100
About the same as most US cities
Utilities
74 / 100
26% lower utility bills
Healthcare & Services
95 / 100
In line with national average
Overall Index
86
Affordable · 14% below average

Dunlap Mortgage Calculator

Pre-filled with the local median home value of $265,636 and Tennessee's property tax rate of 0.66%.

Household Housing Budget

Local median household income is shown only as a place-side affordability input. Personal salary, filing status, and take-home pay analysis belong in salary.city.

Local Household Income
$38,666
Census ACS place context
Rent Burden Estimate
28%
Typical annual rent / local household income
Home Price to Income
6.9x
Typical home value / local household income
Use this section to judge whether Dunlap looks structurally manageable for a household budget. For a specific job offer, filing status, payroll taxes, or salary equivalence across cities, run the income-side decision in salary.city.

Property Tax in Dunlap, TN

Est. Annual Property Tax
$1,753
Monthly Impact
$146
Added to your mortgage
Effective Rate
0.66%
National avg: ~1.00%

Tennessee Place Tax Context

Tax TypeTennesseeNational Avg
Property Tax Rate0.66%1.00%
Top Income Tax RateNo State Income Tax~5.0%
State Sales Tax9.55%~5.0%

Compare Dunlap to Another City

Compare place-side costs such as housing, rent, groceries, utilities, services, and tax context.

Cost of Living Comparison

Compare place-side housing, rent, goods, services, and utility pressure between cities.

Dunlap, TN
86
66
Loading cities...
---
---

Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Dunlap, TN: 88
Rent Prices
66

FAQ: Living in Dunlap

Is Dunlap, TN an affordable place to live?+

Yes — everyday expenses in Dunlap run about 14% below the US average (Cost Index: 86). Housing is especially affordable: the median home is valued around $265,636, compared to the $303,400 national median. Monthly rent is typically around $890, versus $1,348 nationally.

How does Dunlap fit a household housing budget?+

Start with housing. Typical monthly rent is $890, while local median household income is $38,666. That implies a rent-burden proxy of about 28% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

How much are taxes in Dunlap, TN?+

Tennessee is one of the few states with no state income tax, which can save residents thousands of dollars per year. The effective property tax rate is 0.66%. On a home worth $265,636, that translates to roughly $1,753 per year in property taxes. Sales tax (state + local) averages around 9.55% on everyday purchases.

How much does it cost to rent in Dunlap, TN?+

The typical monthly rent in Dunlap is around $890. That's roughly 34% lower than the $1,348 national median. For comparison, the median home value here is $265,636, so buyers should also factor in mortgage payments, property taxes, and insurance.

How much does a house cost in Dunlap, TN?+

The median home in Dunlap is valued at $265,636. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $1,343/month for principal and interest alone — before property taxes and insurance. About 58% of residents here own their homes.

Are groceries and utilities expensive in Dunlap?+

Grocery prices in Dunlap are about average compared to the rest of the US (index: 96, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 74). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

What is Dunlap, TN like to live in?+

Dunlap is a small town with a population of about 5,546. The median age of residents is 37.6, which is close to the national median. The local poverty rate is 39.62%, above the national average of 12.4%.

Lower-Pressure Alternatives in Tennessee

If Dunlap feels tight, start with these same-state cities that look easier on rent burden or buy-side pressure.

Higher-Pressure Comparisons in Tennessee

Use these city pages when you want to compare Dunlap against tougher same-state markets before deciding whether the current city is already a stretch.

LC
Reviewed by LivabilityCalc Research Team
Financial Data Analysts · Census & Economic Data Specialists
Data Sources & Methodology
  • Real Estate & Housing: Zillow Home Value Index (ZHVI, Smoothed & Seasonally Adjusted) and Zillow Observed Rent Index (ZORI). Structural fallback utilizes U.S. Census Bureau ACS 5-Year Estimates.
  • Goods, Utilities & Services: U.S. Bureau of Economic Analysis (BEA) Metropolitan Area Regional Price Parities (MARPP), incorporating verified State Nonmetropolitan averages.
  • Mortgage Rates: Freddie Mac 30-Year Fixed Rate Mortgage Average in the United States (PMMS) via Federal Reserve Economic Data (FRED).
  • Tax Context: State-level property, sales, and income-tax context used for place-side relocation planning. Personal take-home pay and offer analysis are handled by salary.city.
  • Index Methodology: Weighting matrix derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys (CEX) distributional models. Baseline standardized at 100. (Read methodology details)
Last data update: March 2026 · Mortgage rates updated monthly