Alcoa, Tennessee.
Typical home $319,553 (+2.5% in a year), asking rent $1,695 (+2.3%). Knoxville, TN metro.
to buy the typical home at today's mortgage rate — +$1,029 (+159%) since Jan 2020.
- 1 year
- Up $7,652 +2%
- $311,902$319,553 since Sep 2025
- 5 years
- Up $87,548 +38%
- $232,005$319,553 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Alcoa$1,677
- Tennessee$1,737
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Alcoa, TN rose 2.5% over the past year — faster than the nation's +1.2%.
Asking rents in Alcoa, TN rose 2.3% over the past year — slower than the nation's +2.7%.
Owning the typical home in Alcoa runs $445/mo more than renting one. The gap peaked at $474 in Feb 2025.
That is $2,140 a month against $1,695 rent: a $1,677 mortgage payment, plus $121 property tax and $342 insurance & upkeep.
Owning vs renting — Alcoa
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,140
- Renting$1,695
- Mortgage only$1,677
Property tax · $121/mo 0.45% of value a year — the ACS 2020-2024 median bill over the median home value for Blount County, TN
Insurance & upkeep · $342/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Alcoa, Blount County, Tennessee
Alcoa is a city of 10,978 people in Blount County. Half its households earn more than $65,714 a year and half less, against $77,365 across Blount County; 13% of its people live below the poverty line. 67% of its homes are lived in by their owners and 33% are rented. Unemployment in Blount County was 3.1% in August 2026, and the county had 0.3% more jobs in 2025 than the year before. The most residents work in manufacturing, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Alcoa is a small city in Blount County, east Tennessee, with a population that skews somewhat younger than many towns its size. Most homes are lived in by their owners, though incomes run below the county's and a fair number of residents live below the poverty line. Winters are cold but short on snow, summers are warm, and rain falls generously through the year.
Work. Residents work mainly in manufacturing, in schools, hospitals and social care, in banks, insurance and property, and in shops. Among the biggest workplaces in Alcoa are Walmart, US Foods and Alcoa Schools. Commutes are of a middling length, and unemployment in Blount County is low and has held steady over the past year.
Things to do. Close to home, John Sevier Park and Amerine Park are parks a short drive away, and Neyland Stadium, a stadium, is also a short drive off. For a day out, Dollywood, an amusement park, and Zoo Knoxville are a longer drive away.
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- 5,000households
- 34%of adults have a degree
- 13%below the poverty line
- 24 mintypical commute
- 9%work from home
What residents work in
Employed residents by industry, from the Census survey. Blount County had 57,169 jobs in 2025, 0.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 48° and lows near 30°; warmest in July, with highs near 88° and lows near 69°. About 5 inches of snow and 52 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Knoxville Mcghee Tyson Airport weather station, a mile away (NOAA).
Largest workplaces in Alcoa
- WalmartWarehouse clubs and supercenters437
- GearTemporary staffing services397
- US FoodsFood distribution warehouse336
- City of AlcoaExecutive and legislative office combinations298
- Massey ConstructionLow voltage electrical work297
- Alcoa SchoolsSchool district292FTE
- Kellermeyer Bergensons ServicesJanitorial services267
- Foodservice Knoxville238
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 24 workplaces with 20 or more staff, 3,419 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningRelatively high
- EarthquakesRelatively moderate
- Ice stormsRelatively moderate
- Winter weatherRelatively moderate
- Strong windRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Alcoa’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Blount County and the Knoxville, TN metro.
Alcoa home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Alcoa$319,553
- Tennessee$330,844
- United States$366,157
Sellers are cutting prices on about 1 in 4 Alcoa listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Alcoa25.07%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Alcoa48
New listings per month
Sellers arriving at the market.
- Alcoa15
Zip codes with a Alcoa address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Alcoa — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.