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Mortgage Calculator &
Closing Costs: Murfreesboro, TN

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

Median Home Price
$365K
Population
153K
Avg Monthly Rent
$1,450
Property Tax Rate
0.56%
Murfreesboro vs Tennessee Median
The median home price in Murfreesboro is $365,000, which is 7% above the Tennessee state median of $340,000.

Mortgage Calculator — Murfreesboro, TN

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

$
$73,000
%
%
years
TN avg
%
$
Monthly Payment (PITI)
$2,216
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,846
per month
Taxes & Insurance
$370
per month
Total Interest Paid
$372K
over 30 years
Total Loan Cost
$664K
all payments
Payment Breakdown
Loan Amount$292,000
Principal & Interest$1,846
Property Taxes$170
Homeowners Insurance$200
Total Monthly PITI$2,216

Closing Costs — Murfreesboro, TN

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

$
%
Tennessee: Avg closing costs 1.5% of price. Transfer tax: 0.37%.
Estimated Closing Costs
$12,378
3.4% of purchase price
Lender Fees
$3,053
origination, underwriting
Third-Party
$3,275
appraisal, title, inspection
Government Fees
$1,351
transfer taxes, recording
Prepaids + Escrow
$4,700
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,628
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,125
Recording Fee$150
Transfer Tax$1,351
Prepaid Taxes (3 mo)$511
Prepaid Insurance (12 mo)$2,400
Prepaid Interest (15 days)$878
Escrow Reserves$911
Total Closing Costs$12,378

Buying a Home in Murfreesboro, Tennessee

The median home price in Murfreesboro is $365,000, 7% above the Tennessee state median of $340,000. With a population of 152,769, Murfreesboro is a mid-size city where home prices reflect strong demand and local economic factors.

Property taxes in Tennessee average 0.56% annually. This low property tax rate is a significant advantage for Murfreesboro 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 Murfreesboro is $1,450/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Murfreesboro presents moderate affordability. The $365K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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Compare total costs of renting vs buying in Murfreesboro.
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