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Mortgage Calculator &
Closing Costs: Clarksville, TN

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Clarksville, Tennessee.

Median Home Price
$275K
Population
167K
Avg Monthly Rent
$1,220
Property Tax Rate
0.56%
Clarksville vs Tennessee Median
The median home price in Clarksville is $275,000, which is 19% below the Tennessee state median of $340,000.

Mortgage Calculator — Clarksville, TN

Pre-filled with Clarksville median home price and Tennessee tax/insurance rates. Adjust for your property.

$
$55,000
%
%
years
TN avg
%
$
Monthly Payment (PITI)
$1,719
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,391
per month
Taxes & Insurance
$328
per month
Total Interest Paid
$281K
over 30 years
Total Loan Cost
$501K
all payments
Payment Breakdown
Loan Amount$220,000
Principal & Interest$1,391
Property Taxes$128
Homeowners Insurance$200
Total Monthly PITI$1,719

Closing Costs — Clarksville, TN

Estimated closing costs based on Tennessee rates and fees applied to Clarksville prices.

$
%
Tennessee: Avg closing costs 1.5% of price. Transfer tax: 0.37%.
Estimated Closing Costs
$10,479
3.8% of purchase price
Lender Fees
$2,405
origination, underwriting
Third-Party
$2,825
appraisal, title, inspection
Government Fees
$1,018
transfer taxes, recording
Prepaids + Escrow
$4,231
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,980
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,675
Recording Fee$150
Transfer Tax$1,018
Prepaid Taxes (3 mo)$385
Prepaid Insurance (12 mo)$2,400
Prepaid Interest (15 days)$661
Escrow Reserves$785
Total Closing Costs$10,479

Buying a Home in Clarksville, Tennessee

The median home price in Clarksville is $275,000, 19% below the Tennessee state median of $340,000. With a population of 166,722, Clarksville is a mid-size city where home prices tend to be more accessible than in many parts of Tennessee.

Property taxes in Tennessee average 0.56% annually. This low property tax rate is a significant advantage for Clarksville buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Tennessee runs approximately $2,400 per year. This is within the normal range nationally.

Average rent in Clarksville is $1,220/month. The price-to-rent ratio in Clarksville is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Clarksville presents moderate affordability. The $275K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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