Upper Cumberland Region
Market Data & Research
Insight you can trust. Data you can use.
Access real estate market statistics and trends for the Upper Cumberland region. This data supports informed decision-making for buyers, sellers, investors, REALTORS®, and appraisers.
All data from UCARMLS · Current as of August 7, 2026
Year-to-date comparison
Market Stats YTD — Upper Cumberland
January through July 2026 compared to the same period in 2025.
Total Residential Sales
Median Sold Price
Average Sold Price
Avg. Days on Market
Total Dollar Volume
Monthly breakdown
2026 Monthly Market Stats — Upper Cumberland
| Month | Total Res. Sales | Median Sold Price | Avg. Sold Price | Avg. Days on Market | Total $ Volume |
|---|---|---|---|---|---|
| January | 161 | $344,950 | $387,133 | 135 | $62,490,557 |
| February | 198 | $322,000 | $356,782 | 109 | $70,649,138 |
| March | 252 | $320,000 | $363,164 | 116 | $91,517,338 |
| April | 249 | $320,000 | $354,081 | 116 | $88,166,283 |
| May | 308 | $305,000 | $340,960 | 100 | $105,015,672 |
| June | 331 | $325,000 | $382,871 | 103 | $124,817,507 |
| July | — | — | — | — | — |
| August | — | — | — | — | — |
| September | — | — | — | — | — |
| October | — | — | — | — | — |
| November | — | — | — | — | — |
| December | — | — | — | — | — |
| YTD Total / Avg. (Jan–Jul) | 1,806 | $323,000 | $367,021 | 109 | $661,000,000 |
Data updated monthly. All data from UCARMLS. Totals reflect residential real estate activity in the UCAR service area only.
Monthly analysis
UCAR Market Snapshot — July 2026
📌 Quick Take
July delivered a solid mid-summer performance — 289 sales, a median price of $332,450, and the fastest average days on market of the year at just 98 days. While monthly volume of $111 million is slightly lower than June's strong showing, the year-to-date picture continues to outpace 2025 across every metric. With 1,806 total sales and $661 million in volume through July, the Upper Cumberland market is tracking well ahead of last year's full-year pace.
Sales Activity & Demand
July recorded 289 residential sales, a slight dip from July 2025's 296 transactions (-2.4%). However, year-to-date sales remain solidly ahead at 1,806 vs. 1,643 in 2025 (+9.9%). A quieter July is typical for summer — the broader trend continues to outperform last year's pace.
Pricing Trends
July pricing showed continued strength — median sold price at $332,450 and average sold price at $384,931, both holding near June's levels. Year-to-date, prices remain positive: median $323,000 (+3.5%) and average $367,021 (+4.5%) vs. 2025.
Market Conditions
July's 98 average days on market is the lowest of any month in 2026 — a meaningful signal that summer buyers who are in the market are moving with more purpose. The YTD average of 109 days remains above 2025's 101 days, but the trend is tightening.
Total Market Volume
July dollar volume reached $111.1 million, a solid mid-summer result. Year-to-date total volume now stands at $661 million vs. $481.9 million in 2025 (+13.6%) — continuing to outpace last year by a significant margin through seven months.
Financing Breakdown — YTD & July 2026
YTD January–July 2026 vs. 2025
| Type | 2026 | 2025 |
|---|---|---|
| Conventional | 617 | 550 |
| Cash | 402 | 385 |
| FHA | 230 | 225 |
| VA | 165 | 146 |
| USDA | 29 | 32 |
| Rural Development | 12 | 15 |
| Other | 36 | 19 |
| Seller Financing | 9 | 3 |
| THDA | 9 | 10 |
| Assumed | 1 | 1 |
July 2026 vs. July 2025
| Type | 2026 | 2025 |
|---|---|---|
| Conventional | 139 | 117 |
| Cash | 88 | 77 |
| FHA | 49 | 31 |
| VA | 36 | 24 |
| USDA | 3 | 5 |
| Rural Development | 3 | 2 |
| Other | 8 | 8 |
| Seller Financing | 2 | 2 |
| THDA | 3 | 2 |
| Assumed | 0 | 0 |
Conventional remains the leading financing type YTD. July saw continued strength in cash purchases, reflecting investor and move-up buyer activity in the summer market. Government-backed loan activity (FHA, VA, USDA) continues to support first-time and veteran buyers across the region.
🌟 REALTOR® Takeaway
July's 98-day average DOM — the lowest of 2026 — is the standout data point this month. Buyers who are active in the summer market are moving faster than they have all year, which creates real opportunity for sellers with well-priced, well-prepared listings. YTD sales are up nearly 10% and total volume has crossed $661 million, both well ahead of 2025's pace. REALTORS® who can identify motivated summer buyers, price listings strategically, and position sellers to capitalize on tightening market conditions will be in the best spot heading into fall.