Mortgage Rates in Goodlettsville, Tennessee — March 2026
Updated March 2026 | Based on Goodlettsville market data and regional lending conditions
Goodlettsville is a growing city in Tennessee with a population of 18,024. The current 30-year fixed mortgage rate in Goodlettsville is 6.64%, which is 0.01% below the national average. With a median home price of $228,000 and a 20% down payment of $45,600, homebuyers can expect a monthly principal and interest payment of approximately $1,170.
Current Mortgage Rates in Goodlettsville, TN
Below are the current average mortgage rates available in the Goodlettsville 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 | 6.64% | 6.65% | -0.01% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.89% | 6.85% | +0.04% |
Goodlettsville Housing Market Overview
The Goodlettsville housing market offers relatively affordable housing compared to many major cities. The median household income in Goodlettsville is $59,400, and the cost of living index is 88.1 (national average = 100). Based on the 28% affordability rule, the median income in Goodlettsville is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Goodlettsville
Based on the median home price of $228,000 with 20% down ($45,600), here is what you can expect to pay monthly in Goodlettsville:
15-Year vs. 30-Year Mortgage in Goodlettsville
Choosing a 15-year mortgage in Goodlettsville at 5.9% instead of a 30-year at 6.64% would save you $145,980 in total interest over the life of the loan. However, your monthly payment would be $1,529 instead of $1,170 — an increase of $359 per month.
Calculate Your Goodlettsville 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 Goodlettsville
What are the current mortgage rates in Goodlettsville, TN?
As of March 2026, the average 30-year fixed mortgage rate in Goodlettsville, Tennessee is 6.64%, while the 15-year fixed rate is 5.9%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.01% below the national average of 6.65%.
How much is a monthly mortgage payment in Goodlettsville?
Based on the median home price of $228,000 with 20% down, the estimated monthly mortgage payment in Goodlettsville is $1,170 for principal and interest. Including property taxes of $133/month, the total monthly housing cost is approximately $1,303.
What income do I need to buy a home in Goodlettsville?
Using the 28% rule, you would need an annual income of approximately $55,843 to afford the median-priced home in Goodlettsville at $228,000. The median household income in Goodlettsville is $59,400. The median income is currently sufficient to meet this threshold.
Is Goodlettsville a good place to buy a home in 2026?
Goodlettsville offers a below-average cost of living with a cost of living index of 88.1 (national average = 100). The property tax rate in Tennessee is 0.7%, which is below the national average. Goodlettsville has a population of 18,024 and offers a very affordable lifestyle.
Mortgage Rates in Other Tennessee Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Goodlettsville, Tennessee area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.