Harrogate, Tennessee.
Typical home $235,315 (+3.0% in a year).
to buy the typical home at today's mortgage rate — +$646 (+110%) since Jan 2020.
- 1 year
- Up $6,875 +3%
- $228,441$235,315 since Sep 2025
- 5 years
- Up $44,785 +24%
- $190,530$235,315 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.
- Harrogate$1,235
- Tennessee$1,737
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Harrogate, TN rose 3.0% over the past year — faster than the nation's +1.2%.
Living in Harrogate, Claiborne County, Tennessee
Harrogate is a city of 4,400 people in Claiborne County. Half its households earn more than $65,586 a year and half less, against $49,379 across Claiborne County; 12% of its people live below the poverty line. 66% of its homes are lived in by their owners and 34% are rented. Unemployment in Claiborne County was 3.9% in August 2026, and the county had 0.8% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then restaurants and hotels.
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 It can be wrong or out of date.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. Harrogate is a small city in Claiborne County, Tennessee, where most homes are lived in by their owners. Household incomes are higher than across the county as a whole, though a noticeable part of residents still live below the poverty line. Winters are cold, with some snow, and summers are warm, with a fair amount of rain through the year.
Work. Many residents work in schools, hospitals and social care, with restaurants, hotels and entertainment, and banks, insurance and property also giving people a living. Lincoln Memorial University is the largest workplace in Harrogate, followed by TriState Health and Rehabilitation Center, a skilled nursing facility. Some people work from home, and a minority of adults hold a four-year degree.
Things to do. Cumberland Gap National Historical Park is a protected area a short drive away, and Hensley Settlement, a museum, is also close by. Gap Cave is a tourist attraction in or beside town. For time on the water, Cannon Creek Lake is a reservoir a short drive away, while Norris Lake is a longer drive.
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- 1,553households
- 26%of adults have a degree
- 12%below the poverty line
- 9%work from home
What residents work in
Employed residents by industry, from the Census survey. Claiborne County had 8,712 jobs in 2025, 0.8% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 44° and lows near 23°; warmest in July, with highs near 85° and lows near 63°. About 8 inches of snow and 55 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Tazewell weather station, 9 miles away (NOAA).
Largest workplaces in Harrogate
- Lincoln Memorial UniversityUniversity or college1,503
- TriState Health and Rehabilitation CenterSkilled nursing facilities125
- Compass Group80
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 2 workplaces with 20 or more staff, 205 people in all. Colleges come from IPEDS (NCES, 2023–24). 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
- Winter weatherRelatively high
- Strong windRelatively high
- Cold wavesRelatively high
- WildfireRelatively moderate
- HailRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Harrogate’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 Claiborne County.
Harrogate home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Harrogate$235,315
- Tennessee$330,844
- United States$366,157
Sellers are cutting prices on about 1 in 3 Harrogate 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.
- Harrogate35.82%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Harrogate50
New listings per month
Sellers arriving at the market.
- Harrogate8
Zip codes with a Harrogate address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Harrogate — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.