Clarksville, Tennessee.
Typical home $317,914 (+0.3% in a year), asking rent $1,372 (+2.1%). Clarksville, TN-KY metro.
to buy the typical home at today's mortgage rate — +$924 (+124%) since Jan 2020.
- 1 year
- Up $1,093 +0%
- $316,821$317,914 since Sep 2025
- 5 years
- Up $58,234 +22%
- $259,680$317,914 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.
- Clarksville$1,669
- Tennessee$1,737
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in Clarksville, TN rose 0.3% over the past year — slower than the nation's +1.2%.
Asking rents in Clarksville, TN rose 2.1% over the past year — slower than the nation's +2.7%.
Owning the typical home in Clarksville runs $798/mo more than renting one. The gap peaked at $923 in Oct 2023.
That is $2,169 a month against $1,372 rent: a $1,669 mortgage payment, plus $160 property tax and $340 insurance & upkeep.
Owning vs renting — Clarksville
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$2,169
- Renting$1,372
- Mortgage only$1,669
Property tax · $160/mo 0.61% of value a year — the ACS 2020-2024 median bill over the median home value for Montgomery County, TN
Insurance & upkeep · $340/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 Clarksville, Montgomery County, Tennessee
Clarksville is a city of 166,722 people in Montgomery County. Half its households earn more than $69,303 a year and half less, against $75,613 across Montgomery County; 12% of its people live below the poverty line. 56% of its homes are lived in by their owners and 44% are rented. Unemployment in Clarksville was 4.2% in August 2026, and Montgomery County had 2.2% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
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. Clarksville is a city with a young population, and its residents are younger on average than in most American towns. Most homes are lived in by their owners, though renters are also a large part of the community. Incomes run a little below the county's, and winters are mild, with little or no snow and plenty of rain through the year. Summers get hot.
Work. Many residents work in schools, hospitals and social care, followed by shops, manufacturing, and restaurants, hotels and entertainment. Among the largest workplaces in the city are Montgomery County Schools, Trane Technologies and Austin Peay State University. Commutes are fairly ordinary in length, and few people work from home.
Things to do. Dunbar Cave State Park is a protected area in or beside town, and Fort Defiance, a fort, and the Roxy Theatre are also close by. The Don F. Pratt Memorial Museum is a short drive away. For a longer outing, Fort Donelson National Battlefield is a longer drive away.
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- 67,832households
- 30%of adults have a degree
- 12%below the poverty line
- 27 mintypical commute
- 8%work from home
What residents work in
Employed residents by industry, from the Census survey. Montgomery County had 65,862 jobs in 2025, 2.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 47° and lows near 28°; warmest in July, with highs near 90° and lows near 69°. About 54 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Clarksville Wwtp weather station, a mile away (NOAA).
Largest workplaces in Clarksville
- Montgomery County SchoolsSchool district5,107FTE
- Trane Technologies1,850
- Austin Peay State UniversityUniversity or college1,386
- Tennova Healthcare ClarksvilleGeneral hospital862FTE
- WalmartWarehouse clubs and supercenters423
- WalmartWarehouse clubs and supercenters416
- WalmartWarehouse clubs and supercenters402
- Veterans Health AdministrationFederal government · Department of Veterans Affairs317
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 89 workplaces with 20 or more staff, 9,369 people in all. School districts come from the Common Core of Data (NCES, 2023–24), colleges from IPEDS (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and federal offices from OPM's federal workforce data (2026); 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
- Cold wavesRelatively high
- LightningRelatively high
- TornadoesRelatively high
- Ice stormsrelatively high in parts of ClarksvilleRelatively moderate
- EarthquakesRelatively moderate
- HailRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Clarksville’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 Montgomery County and the Clarksville, TN-KY metro.
Clarksville home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Clarksville$317,914
- Tennessee$330,844
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Clarksville listings, and the typical home goes pending in 37 days — 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.
- Clarksville34.78%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Clarksville37
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Clarksville1,357
New listings per month
Sellers arriving at the market.
- Clarksville334
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Clarksville$300,632
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Clarksville98.56%
Zip codes with a Clarksville address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Clarksville — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Clarksville
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 37042 | Clarksville | 87,652 | $1,379 | $290,703 |
| 37040 | Clarksville | 64,977 | $1,303 | $304,511 |
| 37043 | Clarksville | 58,742 | $1,477 | $398,124 |