Gallatin, Tennessee.
Typical home $436,321 (+0.6% in a year), asking rent $1,719 (+1.2%). Nashville-Davidson--Murfreesboro--Franklin, TN metro.
to buy the typical home at today's mortgage rate — +$1,197 (+110%) since Jan 2020.
- 1 year
- Up $2,550 +1%
- $433,771$436,321 since Sep 2025
- 5 years
- Up $64,397 +17%
- $371,924$436,321 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.
- Gallatin$2,290
- Tennessee$1,737
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 22 years.
Typical home values in Gallatin, TN rose 0.6% over the past year — slower than the nation's +1.2%.
Asking rents in Gallatin, TN rose 1.2% over the past year — slower than the nation's +2.7%.
Owning the typical home in Gallatin runs $1,222/mo more than renting one. The gap peaked at $1,390 in Oct 2023.
That is $2,941 a month against $1,719 rent: a $2,290 mortgage payment, plus $184 property tax and $467 insurance & upkeep.
Owning vs renting — Gallatin
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$2,941
- Renting$1,719
- Mortgage only$2,290
Property tax · $184/mo 0.51% of value a year — the ACS 2020-2024 median bill over the median home value for Sumner County, TN
Insurance & upkeep · $467/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 Gallatin, Sumner County, Tennessee
Gallatin is a city of 44,431 people in Sumner County. Half its households earn more than $77,518 a year and half less, against $90,301 across Sumner County; 13% of its people live below the poverty line. 57% of its homes are lived in by their owners and 43% are rented. Unemployment in Gallatin was 3.3% in August 2026, and Sumner County had 0.4% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
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. Gallatin is a city in Sumner County, Tennessee, and one of the larger towns in the county. Household incomes run below the county's, and more homes are rented than across Sumner County as a whole, though most are still lived in by their owners. Winters are cold but short on snow, summers are hot, and rain falls steadily through the year.
Work. Many residents work in schools, hospitals and social care, followed by professional and business services, shops, and restaurants and hotels. Among the largest workplaces in Gallatin are Sumner County Schools, Sumner Regional Medical Center and Walmart. Job numbers across the county have held roughly steady over the past year, and the commute is moderate, with a good number of people working from home.
Things to do. Close by, the House of Cash is a museum, Bledsoe Creek State Park is a protected area for time outdoors, and the Red River is a short drive away. A longer drive brings the Country Music Hall of Fame and Museum, a well-known museum, and the Ryman Auditorium, a historic theatre.
Report a mistake
- 19,755households
- 34%of adults have a degree
- 13%below the poverty line
- 26 mintypical commute
- 15%work from home
What residents work in
Employed residents by industry, from the Census survey. Sumner County had 62,901 jobs in 2025, 0.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 45° and lows near 25°; warmest in July, with highs near 88° and lows near 67°. About 5 inches of snow and 55 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Bethpage South weather station, 10 miles away (NOAA).
Largest workplaces in Gallatin
- Sumner County SchoolsSchool district4,277FTE
- Sumner Regional Medical CenterGeneral hospital788FTE
- GapGeneral warehousing and storage611
- City of GallatinGeneral public administration604
- GapGeneral warehousing and storage477
- WalmartWarehouse clubs and supercenters397
- Gallatin Center for Rehab & HealingNursing homes269
- Simpson Strong-TieHooks, metal screw, manufacturing250
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 58 workplaces with 20 or more staff, 7,311 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- TornadoesVery high
- Strong windRelatively high
- Cold wavesRelatively high
- Ice stormsRelatively high
- Winter weatherRelatively high
- LightningRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Gallatin’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 Sumner County and the Nashville-Davidson--Murfreesboro--Franklin, TN metro.
Gallatin home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Gallatin$436,321
- 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 Gallatin listings, and the typical home goes pending in 38 days — 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.
- Gallatin31.17%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Gallatin38
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Gallatin469
New listings per month
Sellers arriving at the market.
- Gallatin101
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Gallatin$476,384
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Gallatin98.21%
Zip codes with a Gallatin address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Gallatin — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.