Mortgage Rates in Maryville, Tennessee — March 2026
Updated March 2026 | Based on Maryville market data and regional lending conditions
Maryville is a growing city in Tennessee with a population of 30,812. The current 30-year fixed mortgage rate in Maryville is 6.5%, which is 0.15% below the national average. With a median home price of $325,000 and a 20% down payment of $65,000, homebuyers can expect a monthly principal and interest payment of approximately $1,644.
Current Mortgage Rates in Maryville, TN
Below are the current average mortgage rates available in the Maryville area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.5% | 6.65% | -0.15% |
| 15-Year Fixed | 5.74% | 5.89% | -0.15% |
| 5/1 ARM | 6% | 6.15% | -0.15% |
| FHA | 6.1% | 6.25% | -0.15% |
| VA | 5.9% | 6.05% | -0.15% |
| Jumbo | 6.7% | 6.85% | -0.15% |
Maryville Housing Market Overview
The Maryville housing market reflects moderate demand with prices near the national average. The median household income in Maryville is $48,000, and the cost of living index is 92 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $78,814 to comfortably afford the median-priced home in Maryville, which exceeds the current median household income.
Monthly Payment Breakdown for Maryville
Based on the median home price of $325,000 with 20% down ($65,000), here is what you can expect to pay monthly in Maryville:
15-Year vs. 30-Year Mortgage in Maryville
Choosing a 15-year mortgage in Maryville at 5.74% instead of a 30-year at 6.5% would save you $203,400 in total interest over the life of the loan. However, your monthly payment would be $2,158 instead of $1,644 — an increase of $514 per month.
Calculate Your Maryville Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Maryville
What are the current mortgage rates in Maryville, TN?
As of March 2026, the average 30-year fixed mortgage rate in Maryville, Tennessee is 6.5%, while the 15-year fixed rate is 5.74%. FHA loans average 6.1% and VA loans 5.9%. These rates are 0.15% below the national average of 6.65%.
How much is a monthly mortgage payment in Maryville?
Based on the median home price of $325,000 with 20% down, the estimated monthly mortgage payment in Maryville is $1,644 for principal and interest. Including property taxes of $195/month, the total monthly housing cost is approximately $1,839.
What income do I need to buy a home in Maryville?
Using the 28% rule, you would need an annual income of approximately $78,814 to afford the median-priced home in Maryville at $325,000. The median household income in Maryville is $48,000. This means most households would need to either earn above the median or consider homes below $325,000.
Is Maryville a good place to buy a home in 2026?
Maryville offers a below-average cost of living with a cost of living index of 92 (national average = 100). The property tax rate in Tennessee is 0.72%, which is below the national average. Maryville has a population of 30,812 and offers a very affordable lifestyle.
Mortgage Rates in Other Tennessee Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Maryville, Tennessee area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.