Celina, Tennessee.
Typical home $199,796 (+6.7% in a year).
to buy the typical home at today's mortgage rate — +$640 (+157%) since Jan 2020.
- 1 year
- Up $12,493 +7%
- $187,303$199,796 since Sep 2025
- 5 years
- Up $51,532 +35%
- $148,264$199,796 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.
- Celina$1,049
- Tennessee$1,737
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Celina, TN rose 6.7% over the past year — faster than the nation's +1.2%.
Living in Celina, Clay County, Tennessee
Celina is a city of 1,422 people in Clay County. 35% of its homes are lived in by their owners and 65% are rented. Unemployment in Clay County was 3.8% in August 2026, and the county had 3.9% fewer jobs in 2025 than the year before. The most people in Clay County work in schools and health care, then construction.
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 It can be wrong or out of date.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. Celina is a small city in Clay County, Tennessee, and it is a town where most homes are rented rather than lived in by their owners. Incomes across the county run low, and few adults have a four-year degree. Winters are cold and summers warm, with very little snow and a good deal of rain through the year.
Work. Residents work mostly in schools, hospitals and social care, the building trades, manufacturing and shops. Across Clay County, the largest workplaces include Clay County Schools, V & F Transformer and East Coast Powerline. Unemployment across the county is a little lower than a year ago, though there were fewer jobs there last year than the year before, and very few people work from home.
Things to do. The Obey River runs in or beside town, and Dale Hollow National Fish Hatchery is a park right there as well. A short drive away are Dale Hollow Reservoir and Standing Stone State Park, a protected area. Dale Hollow Lake State Park is a longer drive away.
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- 875households
- 10%of adults have a degree
- 3%work from home
What people in Clay County work in
Employed residents by industry, from the Census survey. Clay County had 1,334 jobs in 2025, 3.9% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 46° and lows near 27°; warmest in July, with highs near 87° and lows near 66°. About 2 inches of snow and 53 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Livingston Radio Wliv weather station, 15 miles away (NOAA).
Largest workplaces in Clay County
- Clay County SchoolsSchool district179FTE
- V & F TransformerPower transformers, electric, manufacturing54
- East Coast PowerlineElectric power transmission line and tower construction50
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 2 workplaces with 20 or more staff, 104 people in all across the county; Celina has two of its own. 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
- Strong windVery high
- Inland floodingVery high
- TornadoesVery high
- Winter weatherRelatively high
- HailRelatively high
- Cold wavesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Celina’s census tracts, against the rest of the country; all of them together, relatively high. 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 Clay County.
Celina home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Celina$199,796
- Tennessee$330,844
- United States$366,157
Sellers are cutting prices on about 1 in 4 Celina listings — the market is cooling.
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.
- Celina22.67%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Celina35
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Celina address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Celina — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.