SeatNashville
People745,904
Income cap, 3+$162,540
Price cap$500,000
Getting to know Davidson County as a buyer
Metro Nashville Public Schools is the single public district for the county, so every MNPS teacher in a full-time K-12 position fits. Private school teachers in Nashville count as well.
Metro Nashville Police, the Davidson County Sheriff's Office and Nashville Fire are the main public safety employers. Buyers here shop Nashville proper plus Goodlettsville, Belle Meade, Forest Hills and Oak Hill.
The constraint to watch is price, not income. THDA's $500,000 acquisition cost limit applies in Davidson County like everywhere else, so set your search filter there from day one.
The caps in Davidson County
| Cap for 1–2 people | Cap for 3 or more | Highest price allowed |
|---|
| $139,320 | $162,540 | $500,000 |
Davidson County's limits, $139,320 for 1-2 people and $162,540 for 3+, are the highest on THDA's chart. Compare with every county's caps, or run your own budget.
More help that's specific to Davidson 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.
Nashville-Davidson County
- For
- First-time, mortgage-ready buyers at or below 80% of Nashville AMI
- How much
- Reduced price - land held in trust and leased; buyer owns the house
- Income cap
- 80% of Nashville-Davidson AMI
- First-timers only?
- Yes
- Fine print
- Pre-approval from a THF lending partner; homebuyer education and financial counseling; primary residence; $600 processing fee at closing; resale restrictions
Running prequalified list served first-come, first-served.
Checked against the source November 2026 · how we check
The long versionThe Housing Fund Shared Equity Program
Nashville area
- For
- Buyers up to 120% AMI
- Income cap
- 120% AMI
Mentioned on THF's DPA page; terms not read this session.
Checked against the source November 2026 · how we check
The full Tennessee program list
Homebuyer class options near Davidson County
Plan on a homebuyer class; almost every assistance program makes you take one before the closing date. Here is who near Davidson 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 |
|---|
| Aaa Residential Resources, Inc. | Nashville | 2 mi | homebuyer education class, pre-purchase counseling | English | Phone |
| Woodbine Community Organization | Nashville | 4 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
| You Can Make It Home Ownership Center, Inc. | Smyrna | 19 mi | homebuyer education class, pre-purchase counseling | English | Face to Face, Phone, Internet |
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 Davidson County can use it
A few of the local employers whose people qualify:
- Metro Nashville Public Schools
- Metro Nashville Police Department
- Davidson County Sheriff's Office
- Nashville Fire Department
Metro employees who live in a neighboring county buy under that county's limit, not Davidson's. All the jobs that count
Questions folks ask about Davidson County
What's the Nashville income limit?
$139,320 for 1-2 people and $162,540 for 3 or more.
Can I buy a $550,000 home in Nashville with Heroes?
No. THDA's limit is $500,000 in every county.
Do MNPS teachers qualify?
Yes, full-time K-12 teachers at Metro Nashville Public Schools qualify, as of May 2026.
Nearby and elsewhere: Shelby County · Knox County · Hamilton County · Rutherford County · Williamson County · Montgomery County · Sumner County · Wilson County · Every county
