Waverly, Tennessee.
Typical home $239,871 (+6.2% in a year).
to buy the typical home at today's mortgage rate — +$735 (+140%) since Jan 2020.
- 1 year
- Up $14,013 +6%
- $225,858$239,871 since Sep 2025
- 5 years
- Up $59,093 +33%
- $180,778$239,871 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.
- Waverly$1,259
- 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 Waverly, TN rose 6.2% over the past year — faster than the nation's +1.2%.
Living in Waverly, Humphreys County, Tennessee
Waverly is a city of 4,297 people in Humphreys County. Half its households earn more than $43,773 a year and half less, against $60,616 across Humphreys County; 16% of its people live below the poverty line. 69% of its homes are lived in by their owners and 31% are rented. Unemployment in Humphreys County was 3.8% in August 2026, and the county had 3.1% fewer jobs in 2025 than the year before. The most people in Humphreys County work in manufacturing, then schools and health care.
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 It can be wrong or out of date.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. Waverly is the small county seat of Humphreys County, Tennessee. Its residents are older than in most American towns, and most homes are lived in by their owners. Incomes are well below the county's, and a good share of households live below the poverty line. Winters are cold, with January the coldest month, and summers are hot, with August the warmest.
Work. Residents work mostly in manufacturing, in schools, hospitals and social care, in professional and business services, and in the building trades. Ascension ST Thomas Three Rivers, a critical access hospital, is among the largest workplaces in town, along with Central Sales & Service, which makes rubber goods, and Magnolia Place Assisted Living. Across Humphreys County there were fewer jobs last year than the year before, and few residents work from home.
Things to do. The closest of the nearby places is Link Farm State Archaeological Area, an archaeological site a short drive away. A longer drive brings you to Nathan Bedford Forrest State Park, a protected area, and to Fort Donelson National Battlefield, which is also counted as an archaeological site. Johnsonville State Historic Park is another protected area a longer drive off.
Report a mistake
- 2,105households
- 16%of adults have a degree
- 16%below the poverty line
- 4%work from home
What people in Humphreys County work in
Employed residents by industry, from the Census survey. Humphreys County had 5,768 jobs in 2025, 3.1% 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 August, with highs near 88° and lows near 67°.
Average daily high and low, 1991–2020, at the Waverly Airport weather station, 3 miles away (NOAA).
Largest workplaces in Waverly
- Ascension St Thomas Three RiversCritical access hospital63FTE
- Central Sales & ServiceRubber goods, mechanical, manufacturing54
- Magnolia Place Assisted LivingAssisted-living facilities with on-site nursing facilities38
- Vaughn ContractorsRoad construction32
- Electrical Contracting ServicesElectrical contractors25
- WaverlyMail and parcel delivery21
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 5 workplaces with 20 or more staff, 170 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
- TornadoesVery high
- Strong windVery high
- Inland floodingVery high
- Cold wavesVery high
- LightningRelatively high
- Ice stormsRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Waverly’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 Humphreys County.
Waverly home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Waverly$239,871
- Tennessee$330,844
- United States$366,157
Sellers are cutting prices on about 1 in 4 Waverly listings — the market is heating up.
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.
- Waverly25.37%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Waverly63
New listings per month
Sellers arriving at the market.
- Waverly12
Zip codes with a Waverly address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Waverly — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.