Smyrna, Tennessee.
Typical home $400,537 (-0.8% in a year), asking rent $1,712 (+2.4%). Nashville-Davidson--Murfreesboro--Franklin, TN metro.
to buy the typical home at today's mortgage rate — +$1,081 (+106%) since Jan 2020.
- 1 year
- Down $3,129 -1%
- $403,666$400,537 since Sep 2025
- 5 years
- Up $58,764 +17%
- $341,773$400,537 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.
- Smyrna$2,102
- 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 Smyrna, TN fell 0.8% over the past year — slower than the nation's +1.2%.
Asking rents in Smyrna, TN rose 2.4% over the past year — slower than the nation's +2.7%.
Owning the typical home in Smyrna runs $980/mo more than renting one. The gap peaked at $1,132 in Jan 2025.
That is $2,692 a month against $1,712 rent: a $2,102 mortgage payment, plus $160 property tax and $429 insurance & upkeep.
Owning vs renting — Smyrna
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$2,692
- Renting$1,712
- Mortgage only$2,102
Property tax · $160/mo 0.48% of value a year — the ACS 2020-2024 median bill over the median home value for Rutherford County, TN
Insurance & upkeep · $429/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 Smyrna, Rutherford County, Tennessee
Smyrna is a town of 53,070 people in Rutherford County. Half its households earn more than $81,926 a year and half less, against $85,470 across Rutherford County; 12% of its people live below the poverty line. 57% of its homes are lived in by their owners and 43% are rented. Unemployment in Smyrna was 2.8% in August 2026, and Rutherford County had 0.6% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
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. Smyrna is a sizable town with a fairly young population, younger than much of the country. Household incomes run a little below the county's, and more homes here are rented than across Rutherford County as a whole, though most are still lived in by their owners. Winters are cool, with January the coldest month, and summers are hot, with August the warmest.
Work. Many residents work in schools, hospitals and social care, in manufacturing, in shops, and in professional and business services. Nissan, which makes automobiles, is the largest workplace in Smyrna, followed by Taylor Farms, which prepares fresh cut vegetables, and Consumer Product Partners, which makes toilet preparations. Jobs across Rutherford County were slightly fewer last year than the year before, and unemployment in town is low and has changed very little over the past year.
Things to do. Stones River National Battlefield, a Civil War site, is a short drive away and is the closest place of its kind. Nashville Superspeedway, a race track, is also a short drive away. Farther afield, a longer drive brings you to the Country Music Hall of Fame and Museum in Nashville.
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- 20,226households
- 28%of adults have a degree
- 12%below the poverty line
- 26 mintypical commute
- 13%work from home
What residents work in
Employed residents by industry, from the Census survey. Rutherford County had 148,438 jobs in 2025, 0.6% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 48° and lows near 26°; warmest in August, with highs near 90° and lows near 64°.
Average daily high and low, 1991–2020, at the Smyrna 6S weather station, 4 miles away (NOAA).
Largest workplaces in Smyrna
- NissanAutomobile manufacturing6,430
- Taylor Farms Tennessee/ SouthVegetables, cut or peeled, fresh, manufacturing1,691
- Consumer Product PartnersToilet preparations manufacturing675
- DRIV a TennecoMotor vehicle parts and accessories, new, merchant wholesalers510
- Tristar Stonecrest Medical CenterGeneral hospital503FTE
- Estes Express Lines455
- Schneider ElectricSwitchgear and switchgear accessories manufacturing453
- Town of SmyrnaExecutive and legislative office combinations411
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 56 workplaces with 20 or more staff, 16,053 people in all. Hospitals come 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
- Cold wavesRelatively high
- Winter weatherRelatively high
- Inland floodingRelatively high
- TornadoesRelatively high
- EarthquakesRelatively moderate
- Lightningrelatively high in parts of SmyrnaRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Smyrna’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 Rutherford County and the Nashville-Davidson--Murfreesboro--Franklin, TN metro.
Smyrna home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Smyrna$400,537
- 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 Smyrna listings, and the typical home goes pending in 25 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.
- Smyrna34.98%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Smyrna25
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Smyrna165
New listings per month
Sellers arriving at the market.
- Smyrna43
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Smyrna$372,520
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Smyrna99.65%
Zip codes with a Smyrna address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Smyrna — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.