Mortgage Rates in Dickson, Tennessee — March 2026
Updated March 2026 | Based on Dickson market data and regional lending conditions
Dickson is a growing city in Tennessee with a population of 15,762. The current 30-year fixed mortgage rate in Dickson is 6.73%, which is 0.08% above the national average. With a median home price of $264,000 and a 20% down payment of $52,800, homebuyers can expect a monthly principal and interest payment of approximately $1,367.
Current Mortgage Rates in Dickson, TN
Below are the current average mortgage rates available in the Dickson 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 | 6.73% | 6.65% | +0.08% |
| 15-Year Fixed | 5.97% | 5.89% | +0.08% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.98% | 6.85% | +0.13% |
Dickson Housing Market Overview
The Dickson housing market offers relatively affordable housing compared to many major cities. The median household income in Dickson is $48,500, and the cost of living index is 89.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $65,186 to comfortably afford the median-priced home in Dickson, which exceeds the current median household income.
Monthly Payment Breakdown for Dickson
Based on the median home price of $264,000 with 20% down ($52,800), here is what you can expect to pay monthly in Dickson:
15-Year vs. 30-Year Mortgage in Dickson
Choosing a 15-year mortgage in Dickson at 5.97% instead of a 30-year at 6.73% would save you $171,900 in total interest over the life of the loan. However, your monthly payment would be $1,779 instead of $1,367 — an increase of $412 per month.
Calculate Your Dickson 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 Dickson
What are the current mortgage rates in Dickson, TN?
As of March 2026, the average 30-year fixed mortgage rate in Dickson, Tennessee is 6.73%, while the 15-year fixed rate is 5.97%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.08% above the national average of 6.65%.
How much is a monthly mortgage payment in Dickson?
Based on the median home price of $264,000 with 20% down, the estimated monthly mortgage payment in Dickson is $1,367 for principal and interest. Including property taxes of $154/month, the total monthly housing cost is approximately $1,521.
What income do I need to buy a home in Dickson?
Using the 28% rule, you would need an annual income of approximately $65,186 to afford the median-priced home in Dickson at $264,000. The median household income in Dickson is $48,500. This means most households would need to either earn above the median or consider homes below $264,000.
Is Dickson a good place to buy a home in 2026?
Dickson offers a below-average cost of living with a cost of living index of 89.2 (national average = 100). The property tax rate in Tennessee is 0.7%, which is below the national average. Dickson has a population of 15,762 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 Dickson, Tennessee area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.