Memphis Housing Market Data 2026
📈 Market Analysis — Memphis, TN
**Market Outlook: Stability Over Speculation** As we move through 2026, Memphis remains a quintessential
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🏘️ Rent Breakdown — HUD Fair Market Rents
HUD Fair Market Rent represents the 40th percentile of gross rents paid by recent movers in Memphis. Used as a benchmark for Section 8 voucher limits and rental market analysis.
| Bedroom Count | Monthly Rent (HUD FMR) | Annual Rental Income | Est. Cap Rate at Median Price |
|---|---|---|---|
| 1 Bedroom | $950/mo | $11,400/yr | 3.9% est. |
| 2 Bedrooms | $1,200/mo | $14,400/yr | 4.9% est. |
| 3 Bedrooms | $1,450/mo | $17,400/yr | 5.9% est. |
💰 Cost of Investing in Memphis
| Cost Item | Rate / Amount | Est. Annual Cost | Monthly Cost |
|---|---|---|---|
| Property Tax | 0.7% effective rate | $1,353 | $113/mo |
| Homeowners Insurance | Tennessee avg premium | $1,700 | $142/mo |
| Total Tax + Insurance | Based on median home price of $205,000 | $254/mo | |
These figures reflect state-level averages. Property tax rates vary by county; insurance costs vary by property type, age, and claims history. Source: Tax Foundation (2025), NAIC (2024).
⚖️ How Memphis Compares to National Averages
National averages calculated across all 69 tracked US investor markets. A cap rate above the national average suggests stronger cash flow potential relative to purchase price.
🗺️ Nearby Markets in Tennessee
🛠️ Tools for Analyzing Memphis Deals
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