SeatMurfreesboro
People386,352
Income cap, 3+$162,540
Price cap$500,000
Getting to know Rutherford County as a buyer
Two public districts serve the county: Rutherford County Schools and Murfreesboro City Schools. Teachers in either, full-time and K-12, meet the rule.
Murfreesboro Police, the Rutherford County Sheriff's Office, Murfreesboro Fire Rescue Department and Rutherford County Fire Rescue employ most local first responders. Homes in Murfreesboro, Smyrna, La Vergne and Eagleville all count.
New construction is common around these towns, and Heroes Plus has a $25,000 option just for newly built or proposed homes. It's a 0% loan repaid over 15 years.
The caps in Rutherford County
| Cap for 1–2 people | Cap for 3 or more | Highest price allowed |
|---|
| $139,320 | $162,540 | $500,000 |
Rutherford County matches Davidson at $139,320 for 1-2 people and $162,540 for 3+. Compare with every county's caps, or run your own budget.
More help that's specific to Rutherford County
Local programs like these can sometimes sit on top of the state program, or stand in for it. Each one has its own rules, so your loan officer will sort out which ones play nicely together.
City of Murfreesboro
- For
- Low-income first-time homebuyers
- How much
- Up to $10,000
- Kind of help
- Deferred loan, due later
- Income cap
- HUD low-income limits (updated annually; dollar figures not posted)
- First-timers only?
- Yes
- Fine print
- HUD-approved homebuyer education; 1% cash toward closing; inside Murfreesboro city limits
0% second mortgage, no monthly payments, repaid on sale. Contact 615-890-4660.
Checked against the source November 2026 · how we check
The long versionThe full Tennessee program list
Homebuyer class options near Rutherford County
Plan on a homebuyer class; almost every assistance program makes you take one before the closing date. Here is who near Rutherford County is HUD-approved to teach it or sit down with you one on one:
| Agency | Office in | Miles away | Help offered | Spoken in | Ways to attend |
|---|
| You Can Make It Home Ownership Center, Inc. | Smyrna | 13 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
| Woodbine Community Organization | Nashville | 27 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
| Aaa Residential Resources, Inc. | Nashville | 30 mi | homebuyer education class, pre-purchase counseling | English | Phone |
Pulled from HUD's housing counseling agency list. Programs don't all accept the same classes.
Which class does your program want? Ask a loan officer who does Tennessee programs. They'll name the class that counts and can get your pre-approval going at the same time.
See if I qualify
Who in Rutherford County can use it
A few of the local employers whose people qualify:
- Rutherford County Schools
- Murfreesboro City Schools
- Murfreesboro Police Department
- Rutherford County Sheriff's Office
- Murfreesboro Fire Rescue Department
- Rutherford County Fire Rescue
Both city and county fire rescue employees qualify as firefighters currently employed in Tennessee. All the jobs that count
Questions folks ask about Rutherford County
What's the Murfreesboro income limit?
$139,320 (1-2) and $162,540 (3+).
Do Murfreesboro City Schools teachers qualify?
Yes, full-time K-12 teachers there qualify.
Is the $25,000 new-build help a grant?
No. It's a 0% loan you repay monthly over 15 years.
Nearby and elsewhere: Shelby County · Davidson County · Knox County · Hamilton County · Williamson County · Montgomery County · Sumner County · Wilson County · Every county
