The Home Buyer's Korner

Information presented should be used for educational purposes only.

January 26th, 2013

Guy looking up in color

TENNESSEE

The Home Ownership Blog

Tenn Homes

Memphis – Jackson – West Tennessee

Our blog is an ongoing conversation about all things real estate. Not only can home shoppers find experienced real estate brokers and agents; mortgage lenders; general contractors and other service providers to assist with your home buying needs, our blog helps you become a knowledgeable home buyer.

We’ll begin with the great state of Tennessee and that has a whole lot to do with music.

Memphis claims an impressive musical heritage. Long before Elvis Presley made Graceland a favorite destination for rock and roll pilgrimages, Memphis had Beale Street, home of the blues. Made famous by African-American musical pioneers like W.C. Handy, Louis Armstrong, Muddy Waters and B.B. King, among others, Beale Street is now a national historic landmark. And, let’s not forget Nutbush City, located north of Memphis in the small town of Brownsville; made famous by Tina Turner.  

Nashville

Nashville’s West End

Tennessee has seven official state songs, which is fitting since the state is known so widely for its contributions to popular music. Its capital, Nashville, home to the Grand Ole Opry at Ryman Auditorium, and the Country Music Hall of Fame, is fittingly nicknamed “Music City, USA.” So much music in a variety of genres is produced here that since the 1960s Nashville has ranked second behind only New York City as a music recording center.  

A stronghold of conservative Christianity, Tennessee is home base to several Protestant denominations, including the United Methodist Church and Southern Baptist Convention, as well a number of Christian colleges, giving Nashville another nickname: “buckle of the Bible Belt.” 

new home

Clarksville

Clarksville, 50 miles from Nashville, is a growing city with a well-preserved small-town feel. The nearby Fort Campbell Military Reservation is an economic mainstay, and there is an assortment of other business activity located in what is considered a healthy business and labor climate. The downtown area is historic and attractive. Austin Peay State University supplies most of the cultural amenities and is the largest non-military employer. Cost of living is among the lowest in Tennessee and so are median home prices.

Growth has brought some new amenities to the area, including a new full-service hospital and a lot of new housing. The area offers a good choice of city, suburban, and rural living environments, and is close enough to Nashville to appeal to some telecommuters.

The city lies in an area of gently rolling hills, mostly in agricultural use with some areas of dense deciduous forest. The climate is a mix of continental and subtropical. Summers are long, warm, and humid with frequent thunderstorms. Winters and springs are variable with frequent shifts between cold and mild conditions with periods of rain and storms. Severe cold seldom occurs, but snow is not uncommon and can be heavy. Likewise, spring storms can be severe. The first freeze is late October, and the last is in mid-April.

Murfreesboro, TN

Murfreesboro -Smyrna

There’s something exciting going on nearly every day in Murfreesboro and surrounding like Smyrna. If you enjoy music and folk festivals, don’t miss Uncle Dave Macon Days, Old Timers’ Day and the Murfreesboro JazzFest, that draw visitors from far and wide to take part in celebrating. For those interested in the classics, the Murfreesboro Symphony Orchestra, Middle Tennessee Choral Society and The Main Stage Music & Dance Studio provide a regular slate of performances. Add to that the great variety of sporting events Rutherford County hosts, from MTSU games to TSSAA championships and many more. If you choose to live here you’ll see why this is the place to be, no matter what your favorite flavor of fun!

Franklin

Franklin~Brentwood~Nolensville~Spring Hill

Despite its musical legacy, and the tourism it generates, modern Tennessee’s economy relies heavily on manufacturing and services. The Volunteer State now ranks 4th in the U.S for production of automobiles, since major plants were built in the 1990s by Nissan in Smyrna and General Motors plant in Spring Hill. Nissan North America relocated its headquarters in Franklin in 2006, and the Volkswagen factory in Chattanooga. Other major corporations based in TN include Federal Express, AutoZone, International Paper and Hospital Corp. of America (HCA), the nation’s largest operator of private for-profit hospitals.

Knoxville TN

Knoxville ~ Oak Ridge

During the Great Depression, when Appalachia faced severe economic hardship, a New Deal agency called the Tennessee Valley Authority constructed dams on the Tennessee River, and later nuclear power plants, which ultimately produced enough power to supply more than 8 million customers today. TVA, based in Knoxville in East Tennessee, is the nation’s largest public utility, and its mission has expanded to include economic development and environmental management in seven Southern states from Virginia to Mississippi.

Plentiful electricity supplied by TVA allowed the federal government to establish an atomic weapons plant at Oak Ridge, east of Knoxville, recruiting researchers in the 1940s to work on the Manhattan Project. Oak Ridge National Laboratory, now managed by a subcontractor for the Department of Energy, currently employs more than 4,000 scientists and engineers. Not surprisingly, in a community with so many highly educated residents, the public schools in the town of Oak Ridge are considered some of the best in the U.S.

Chattanooga Tennessee

Chattanooga

Chattanooga, the 4th largest city in the state, is located in Southeast Tennessee near the border of Georgia at the junction of four interstate highways. The city has received national recognition for the renaissance of its beautiful downtown and redevelopment of its riverfront. The city and county have developed an extensive greenway system which includes 5 miles of constructed riverwalk beginning in downtown and meandering through the historic art district and several parks. The city supports a downtown shuttle fleet of zero-emission electric buses – manufactured here in Chattanooga – for commuters and visitors wishing to park-and-ride.

The city boasts the most productive, affordable housing program in the nation, and is notable for leveraging development funds through effective public/private partnerships, with significant civic involvement on the part of private foundations. 

The Chattanooga Convention and Trade Center are solidly booked by groups who return to the city year after year for a good time and a great facility that has recently been expanded. Public entities and private citizens worked together to build the 20,000 seat Max Finley Stadium completed in 1998. 

Attractions such as the Tennessee Aquarium,   Lookout Mountain, Civil War battlefield sites, the African American Museum, and the Appalachian Trail brings thousands of people to the area, as do events like the Riverbend Festival, Bessie Smith Strut, Fall Color Cruise, the Creative Discovery Museum for Children, and the Southern Writers Conference. Chattanooga is the home of NCAA Division I-AA national football championships and hosts the national softball championships every year.

People who love the out-of-doors use Chattanooga as a base for hang-gliding, bass fishing, mountain climbing and caving expeditions; the verdant Smoky Mountains and Tennessee River watershed support the greatest variety of flora of any area in the United States.

The local economy includes a diversified mix of manufacturing and service industries, four colleges, and several preparatory schools known throughout the South. “Sustainability” is a key concept for industry and government working together for enlightened development.

With its scenic beauty, stable population and economy, civic vitality and cross-sector partnerships, fiscal integrity, and strategic location, Chattanooga enters the 21st century as one of the most progressive and livable mid-size cities in the US. In this decade the city has won 3 national awards for outstanding “livability”, and 9 Gunther Blue Ribbon Awards for excellence in housing and consolidated planning.

As of 2009 the population of Tennessee was estimated at 6,028,496. Of this total, 80.7 percent were white, 16.8 percent were black and 3 percent of the population is comprised of Hispanics.

Real estate prices in Tennessee are generally low by national standards – all three major cities have a median home value below the U.S median. However, affluent suburbs are more expensive. Homes in Franklin, just outside of Nashville, Germantown an affluent suburban community near Memphis and Farragut, which is a bedroom community of Knoxville were nearly double the median price within those city limits. Low interest rates and stunning scenery contribute to a strong housing market.

Today’s Tennessee real estate market is in transition and home buyers can find a wide variety to select from. Real estate sectors that remain at the top of everyone’s list are distressed homes and short sales, which most likely are in need of repairs.

When considering purchasing a Tennessee home, we encourage you to include distressed real estate and short sales. These properties offer little-known opportunities to acquire the home of your dreams. We discuss these properties in our blog and you can learn more locally by visiting our “Real Estate Broker”, “Mortgage Lender” & “General Contractor” Google Plus Communities, also located at our “Home Buyer’s Korner” to the right of our blog.

Distressed real estate and short sales are normally sold at below market value and further discounts when the property is in need of renovation. The first things that come to mind for most home buyers are:

  1. How to include “Cost of Repairs” in your mortgage & renovate after escrow closings;
  2. Defining “Required Repairs” and what are your desires;
  3. What repairs get the most bang for your buck;
  4. Locating the right team for your unique home purchasing needs.

Our blog addresses these issues and more as you engage us here and at our Google+ Communities. In doing so, you’ll become an informed home buyer and feel confident understanding relevant real estate topics such as:

  1. FHA 203K~Traditional and Streamline;
  2. Fannie Mae HomeStyle Renovation lending;
  3. Buying a Short Sale, Distressed, or Foreclosed Home
  4. Low Down Payment Options for as little as 3.5% for the home of your dreams;
  5. 100% Financing for Rural Development & Veterans Administration eligible properties;
  6. Down Payment Assistance Programs;
  7. Getting Ready for Home Ownership;
  8. And, much more!

Be sure to engage our network of real estate brokers and agents, mortgage lenders, general contractor and other service providers for all your home buying or selling needs.

Purchasing a home can be the best investment you’ll ever make, but it takes knowledge and the right team!

Buy Smart ~ Join the Conversation

HOME OWNERSHIP TOOLS

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USDA RURAL DEVELOPMENT

Up to $10K for Home Improvements, Renovations or a Simple Remodel

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A SIMPLE HOME SHOPPING INSPECTION TOOL

Organizing your home shopping experience affords a wise decision-making process.

This simple home inspection tool makes your ultimate buying decision a smart one.

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click on “File”; then click on “Print”.  In the center of the screen, you will have the option to

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FHA County Loan Limits for 2015

Tennessee Counties One-Family Two-Family Three-Family Four-Family MSA
Anderson County $271,050 $347,000 $419,425 $521,250 KNOXVILLE, TN
Bedford County $271,050 $347,000 $419,425 $521,250 SHELBYVILLE, TN
Benton County $271,050 $347,000 $419,425 $521,250 NON-METRO
Bledsoe County $271,050 $347,000 $419,425 $521,250 NON-METRO
Blount County $271,050 $347,000 $419,425 $521,250 KNOXVILLE, TN
Bradley County $271,050 $347,000 $419,425 $521,250 CLEVELAND, TN
Campbell County $271,050 $347,000 $419,425 $521,250 KNOXVILLE, TN
Cannon County $393,300 $503,500 $608,600 $756,350 NASHVILLE-DAVIDSON–MURFREESBORO–FRANK
Carroll County $271,050 $347,000 $419,425 $521,250 NON-METRO
Carter County $271,050 $347,000 $419,425 $521,250 JOHNSON CITY, TN
Cheatham County $393,300 $503,500 $608,600 $756,350 NASHVILLE-DAVIDSON–MURFREESBORO–FRANK
Chester County $271,050 $347,000 $419,425 $521,250 JACKSON, TN
Claiborne County $271,050 $347,000 $419,425 $521,250 NON-METRO
Clay County $271,050 $347,000 $419,425 $521,250 NON-METRO
Cocke County $271,050 $347,000 $419,425 $521,250 NEWPORT, TN
Coffee County $271,050 $347,000 $419,425 $521,250 TULLAHOMA-MANCHESTER, TN
Crockett County $271,050 $347,000 $419,425 $521,250 JACKSON, TN
Cumberland County $271,050 $347,000 $419,425 $521,250 CROSSVILLE, TN
Davidson County $437,000 $559,450 $676,200 $840,400 NASHVILLE-DAVIDSON–MURFREESBORO–FRANK
Decatur County $271,050 $347,000 $419,425 $521,250 NON-METRO
Dekalb County $271,050 $347,000 $419,425 $521,250 NON-METRO
Dickson County $437,000 $503,500 $608,600 $756,350 NASHVILLE-DAVIDSON–MURFREESBORO–FRANK
Dyer County $271,050 $347,000 $419,425 $521,250 DYERSBURG, TN
Fayette County $271,050 $347,000 $419,425 $521,250 MEMPHIS, TN-MS-AR
Fentress County $271,050 $347,000 $419,425 $521,250 NON-METRO
Franklin County $271,050 $347,000 $419,425 $521,250 TULLAHOMA-MANCHESTER, TN
Gibson County $271,050 $347,000 $419,425 $521,250 NON-METRO
Giles County $271,050 $347,000 $419,425 $521,250 NON-METRO
Grainger County $271,050 $347,000 $419,425 $521,250 KNOXVILLE, TN
Greene County $271,050 $347,000 $419,425 $521,250 GREENEVILLE, TN
Grundy County $271,050 $347,000 $419,425 $521,250 NON-METRO
Hamblen County $271,050 $347,000 $419,425 $521,250 MORRISTOWN, TN
Hamilton County $271,050 $347,000 $419,425 $521,250 CHATTANOOGA, TN-GA
Hancock County $271,050 $347,000 $419,425 $521,250 NON-METRO
Hardeman County $271,050 $347,000 $419,425 $521,250 NON-METRO
Hardin County $271,050 $347,000 $419,425 $521,250 NON-METRO
Hawkins County $271,050 $347,000 $419,425 $521,250 KINGSPORT-BRISTOL-BRISTOL, TN-VA
Haywood County $271,050 $347,000 $419,425 $521,250 NON-METRO
Henderson County $271,050 $347,000 $419,425 $521,250 NON-METRO
Henry County $271,050 $347,000 $419,425 $521,250 PARIS, TN
Hickman County $393,300 $503,500 $608,600 $756,350 NASHVILLE-DAVIDSON–MURFREESBORO–FRANK
Houston County $271,050 $347,000 $419,425 $521,250 NON-METRO
Humphreys County $271,050 $347,000 $419,425 $521,250 NON-METRO
Jackson County $271,050 $347,000 $419,425 $521,250 COOKEVILLE, TN
Jefferson County $271,050 $347,000 $419,425 $521,250 MORRISTOWN, TN
Johnson County $271,050 $347,000 $419,425 $521,250 NON-METRO
Knox County $271,050 $347,000 $419,425 $521,250 KNOXVILLE, TN
Lake County $271,050 $347,000 $419,425 $521,250 NON-METRO
Lauderdale County $271,050 $347,000 $419,425 $521,250 NON-METRO
Lawrence County $271,050 $347,000 $419,425 $521,250 LAWRENCEBURG, TN
Lewis County $271,050 $347,000 $419,425 $521,250 NON-METRO
Lincoln County $271,050 $347,000.00 $419,425 $521,250.00 NON-METRO
Loudon County $271,050 $347,000 $419,425 $521,250 KNOXVILLE, TN
Macon County $393,300 $503,500.00 $608,600 $756,350.00 NASHVILLE-DAVIDSON–MURFREESBORO–FRANK
Madison County $271,050 $347,000 $419,425 $521,250 JACKSON, TN
Marion County $271,050 $347,000 $419,425 $521,250 CHATTANOOGA, TN-GA
Marshall County $271,050 $347,000.00 $419,425 $521,250.00 LEWISBURG, TN
Maury County $393,300 $503,500.00 $608,600 $756,350.00 NASHVILLE-DAVIDSON–MURFREESBORO–FRANK
Mcminn County $271,050 $347,000 $419,425 $521,250 ATHENS, TN
Mcnairy County $271,050 $347,000 $419,425 $521,250 NON-METRO
Meigs County $271,050 $347,000 $419,425 $521,250 NON-METRO
Monroe County $271,050 $347,000 $419,425 $521,250 NON-METRO
Montgomery County $271,050 $347,000 $419,425 $521,250 CLARKSVILLE, TN-KY
Moore County $271,050 $347,000 $419,425 $521,250 TULLAHOMA-MANCHESTER, TN
Morgan County $271,050 $347,000 $419,425 $521,250 KNOXVILLE, TN
Obion County $271,050 $347,000 $419,425 $521,250 UNION CITY, TN-KY
Overton County $271,050 $347,000 $419,425 $521,250 COOKEVILLE, TN
Perry County $271,050 $347,000 $419,425 $521,250 NON-METRO
Pickett County $271,050 $347,000 $419,425 $521,250 NON-METRO
Polk County $271,050 $347,000 $419,425 $521,250 CLEVELAND, TN
Putnam County $271,050 $347,000 $419,425 $521,250 COOKEVILLE, TN
Rhea County $271,050 $347,000 $419,425 $521,250 DAYTON, TN
Roane County $271,050 $347,000 $419,425 $521,250 KNOXVILLE, TN
Robertson County $393,300 $503,500 $608,600 $756,350 NASHVILLE-DAVIDSON–MURFREESBORO–FRANK
Rutherford County $393,300 $503,500 $608,600 $756,350 NASHVILLE-DAVIDSON–MURFREESBORO–FRANK
Scott County $271,050 $347,000 $419,425 $521,250 NON-METRO
Sequatchie County $271,050 $347,000 $419,425 $521,250 CHATTANOOGA, TN-GA
Sevier County $271,050 $347,000 $419,425 $521,250 SEVIERVILLE, TN
Shelby County $271,050 $347,000 $419,425 $521,250 MEMPHIS, TN-MS-AR
Smith County $393,300 $503,500 $608,600 $756,350 NASHVILLE-DAVIDSON–MURFREESBORO–FRANK
Stewart County $271,050 $347,000 $419,425 $521,250 NON-METRO
Sullivan County $271,050 $347,000 $419,425 $521,250 KINGSPORT-BRISTOL-BRISTOL, TN-VA
Sumner County $393,300 $503,500 $608,600 $756,350 NASHVILLE-DAVIDSON–MURFREESBORO–FRANK
Tipton County $271,050 $347,000 $419,425 $521,250 MEMPHIS, TN-MS-AR
Trousdale County $393,300 $503,500 $608,600 $756,350 NASHVILLE-DAVIDSON–MURFREESBORO–FRANK
Unicoi County $271,050 $347,000 $419,425 $521,250 JOHNSON CITY, TN
Union County $271,050 $347,000 $419,425 $521,250 KNOXVILLE, TN
Van Buren County $271,050 $347,000 $419,425 $521,250 NON-METRO
Warren County $271,050 $347,000 $419,425 $521,250 MCMINNVILLE, TN
Washington County $271,050 $347,000 $419,425 $521,250 JOHNSON CITY, TN
Wayne County $271,050 $347,000 $419,425 $521,250 NON-METRO
Weakley County $271,050 $347,000 $419,425 $521,250 MARTIN, TN
White County $271,050 $347,000 $419,425 $521,250 NON-METRO
Williamson County $393,300 $503,500 $608,600 $756,350 NASHVILLE-DAVIDSON–MURFREESBORO–FRANK
Wilson County $393,300 $503,500 $608,600 $756,350 NASHVILLE-DAVIDSON–MURFREESBORO–FRANK

FNMA My Community Mortgage FHA One-Time Close Construction Portfolio or VA home loan Homes for Sale FNMA HomeStyle FNMA My Community Mortgage FHA One-Time Close Construction Portfolio or VA home loan Homes for Sale REO Short Sales FNMA HomePath Properties HUD Homes USDA Homes Condominiums Co-Ops Townhomes Manufactured Homes Modular Homes Mobile Homes Log Homes Second Homes Investment Property 2-4 Family Custom Home Builders Custom Built Homes General Contractors Home Improvement Experts Kitchen & Bathroom Renovations Real Estate Brokers & Agents Mortgage Lenders Federal Credit Unions Community Bankers Real Estate Listings Jumbo Investor Hard Money HARP HECM Equity Zero 3% 3.5% Portfolio Non-Warrantable Down Payment Assistance Adams Adamsville Alamo Alcoa Alexandria Algood Allardt Allons Almaville Alpha Alpine Altamont Ardmore Arlington Ashland City Ashport-Three Point Athens Atoka Atwood Auburntown Baileyton Bakerstown Bakerville-Bold Spring Baneberry Banner Hill Barnard Barren Plains Bartlett Baxter Bean Station Bedford Beech Creek Beech Grove Beech Springs Beersheba Springs Bell Buckle Belle Meade Belleview Bells Benton Berry Hill Bethel Springs Bethesda Bethesda Bethpage Big Barren Creek Big Sandy Big Spring-East View Big War Creek Biltmore Binfield Blaine Bloomingdale Blountville Bluff City Bluff City-Piney Flats Bolivar Bon De Croft Boonshill Boston Braden Bradford Brazil-Gibson Wells Brentwood Brighton Bristol Brownsville Bruceton Buchanan-Elkhorn Buffalo Valley Bulls Gap Burlison Burns Burristown Butler Byrdstown Calhoun Calhoun-Riceville Camden Campaign Carthage Caryville Cash Point-Blanche Castalian Springs Cedar Grove Cedar Hill Cedars Celina Center Point Centertown Centerview Centerville Central Chapel Hill Charleston Charlotte Chattanooga Chestnut Glade-Dukedom Chestnut Hill Chilhowee China Grove Christiana Church Hill Clairfield Clarkrange Clarksburg Clarksville Cleveland Clifton Clifton-Natural Bridge Clinchmore Clinton Coalfield Coalmont Coble Collegedale Collierville Collinwood Colonial Heights Columbia Concord Cookeville Coopertown Copperhill Cornersville Corryton Covington Cowan Crab Orchard Crawford Cross Plains Crossville Crump Culleoka Cumberland City Carlisle Cumberland Gap Cumberland Heights Cumberland Plateau Dandridge Darden Dayton Decatur Decaturville Decherd Deerfield Del Rio Dibrell Dickson Dixie Dover Dowelltown Doyle Dresden Drummonds Ducktown Dunlap Dunn Creek Dyer Dyersburg Eagleton Village Eagleville East Brainerd East Chester East Cleveland East Lewis East Ridge Eastview Eidson Elbridge-Cloverdale Elizabethton Elk Valley Elkton Englewood Enville Erin Erwin Estill Springs Ethridge Etowah Fairfield Glade Fairmount Fairview Fall Branch Farragut Fayette Corners Fayetteville Fincastle Finger Fisherville Five Points Flag Pond Flat Creek-Normandy Flintville Forest Hills Forks of the River Fort Campbell Fountain Heights Fowlkes Franklin Friendship Friendsville Gadsden Gainesboro Gallatin Gallaway Garland Gates Gatlinburg Germantown Gibbs Gibson Gilt Edge Gleason Goodlettsville Gordonsville Grand Junction Granville Gray Graysville Green Hill Greenback Greenbrier Greeneville Greenfield Gruetli-Laager Guys Habersham  Halls Hardin Valley Harmony Harriman Harrison Harrogate-Shawanee Hartford Hartsville Helenwood Henderson Hendersonville Henning Henry Hermitage Springs Hickory With Hilham Hillsboro Hillville Hohenwald Holladay Hollow Rock Holly Grove-Belle Eagle Holston Valley Hopewell Hornbeak Hornsby Humboldt Hunter Huntersville Huntingdon Huntland Huntsville Indian Mound-Bumpus Mills Iron City Irving College Jacksboro Jackson Jamestown Jasper Jearoldstown Jefferson City Jellico Johnson City Jonesborough Karns Kenton Kenton-Mason Hall Kimball Kingsport Kingston Springs Kingston Kittrell Knob Creek Knoxville Kyles Ford La Follette La Vergne Lafayette Lake City Lake Tansi Lakeland Lakesite Lakewood Lancing Lanier Lantana Lascassas Laurel Fork Lawrenceburg Lebanon Lenoir City Leoma Lewisburg Lexington Liberty Linden Littlelot Livingston Lobelville Lone Oak Lookout Mountain Loretto Loudon Louisville Lower Rutherford Creek Luray Luttrell Lutts-Cypress Inn Lyles-Wrigley Lynchburg Lynnville Macedonia Madisonville Manchester Manson-Wolf River Martha-Laguardo Martin Maryville Mascot Mason Maury City Mayland-Pleasant Hill Maynardville McEwen McKenzie McLemoresville McMinnville Medina Memphis Michie Middle Valley Middleton Midtown Midway Milan Milledgeville Millersville Millington Minor Hill Mississippi-Obion Mitchellville Mohawk Monteagle Monterey Mooneyham Mooresburg Morris Chapel Morrison Morristown Moscow Mosheim Mount Carmel Mount Juliet Mount Pleasant Mountain City Mulberry Munford Murfreesboro Nashville-Davidson Neva New Hope New Johnsonville New Market New River New Tazewell Newbern Newport Niota Nixon Nolensville Norma Norris North Cannon North of the River Northeast Wilson Nutbush Oak Grove Oak Hill Oak Ridge Oakdale Oakland Obion Olive Hill Oliver Springs Oneida Only Ooltewah Orlinda Palmer Palmersville Palmyra-Shiloh Paris Parkers Crossroads Parksville Parrottsville Parsons Pegram Pelham Petersburg Philadelphia Pickwick Pigeon Forge Pikeville Pine Crest Pinson Piperton Pittman Center Plainview Plateau of the Barrens Pleasant Hill Pleasant View Pope Poplar Top Portland Powell Valley Powell Valley Powell Powells Crossroads Prospect Pulaski Puryear Ramer Red Bank Red Boiling Springs Rheatown-Chucky Rickman Ridgely Ridgeside Ridgetop Ripley Rives Ro Ellen Roan Mountain Robbins Rock Creek Rockford Rockwood Rogersville Rosemark Rossville Rural Hill Rutherford Rutledge Sale Creek Saltillo Samburg Santa Fe Sardis Savannah Scotts Hill Selmer Sequatchie Valley Sevierville Sewanee Seymour Shady Grove Shady Valley Sharon Sharps Chapel Shelby Forest Shelbyville Sherwood Signal Mountain Siloam Skaggston Slayden Smithville Smyrna Sneedville Snow Hill Soddy-Daisy Somerville South Bradley South Cannon South Carthage South Cleveland South Fulton South Pittsburg Southeast Bradley Southeast Nolichucky Southwest Nolichucky Sparta Spencer Spring City Spring Creek-Beech Bluff Spring Hill Springfield Springville Spurgeon St. Bethlehem St. Joseph Stanton Stantonville Static Stony Creek Strawberry Plains Sulphur Springs Summertown Summitville Sunbright Surgoinsville Sweetwater Tabernacle Tazewell Telford Tellico Plains Ten Mile Tennessee City Tennessee Ridge Thompson’s Station Thorn Hill Three Way Tiger Valley Tiptonville Toone Townsend Tracy City Trenton Trezevant Trimble Troy Tullahoma Turtletown Tusculum Underhill Unicoi Union City Unionville Upper Big Bigby Vanleer Vonore Walden Ridge Walden Ridge Walden Walnut Grove Walnut Hill Walterhill Wartburg Wartrace Washburn Watauga Watertown Waverly Waynesboro Wear Valley Welchland West Bradley West Chester Westmoreland White Bluff White House White Pine Whitesburg Whiteside Whiteville Whitwell Wildersville Wildwood Lake Wildwood Williston Winchester Winfield Woodbury Woodland Mills Woodland Woodlawn-Dotsonville Yorkville

 

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