USDV Capital
Knox County real estate

Knox County

Opportunity Zone

Knox County, Knox County · Knoxville, TN

Median Home Value

$370,643

+0.7%

Est. Cap Rate

3.6%

Based on rent yield × 65%

Vacancy Rate

8.1%

65% owner-occupied

Population

487K

Median income: $71,662

C
43/100Hold

Investment Score — Knox County

Composite score based on cap rate, rent yield, affordability, occupancy, and appreciation

Cap Rate3.6%
Rent Yield5.6%
Affordability$370,643
Occupancy91.9%
Appreciation0.7%

Knox County Investment Analysis

Knox County is a mid-size market of 487K residents with median home values at $370,643. With a 3.6% cap rate, Knox County is primarily an appreciation play. Investors here are betting on long-term value growth rather than immediate cash flow. Values are stable with 0.7% annual growth, offering predictable returns without overheating risk. A healthy 35% renter population supports median rents of $1,731/month, providing reliable income streams for buy-and-hold investors.

Market Profile
Avg: 51/100
Cash Flow3.6% cap
Appreciation0.7% YoY
Affordability$371K
Occupancy91.9% occ.
Rent Yield5.6%
Employment99.8%
Price vs. Rent Analysis
Price-to-Rent Ratio17.8x
Cash FlowBalancedAppreciation

Balanced market — moderate cash flow with appreciation upside

Median Home Value

Zillow ZHVI

$370,643
Median Monthly Rent

Zillow ZORI

$1,731
Annual Rent
$20,772
Gross Rent Yield

Annual rent ÷ home value

5.6%

Market Details

Housing Stock

215K units

Single-family: 141K

Multifamily: 53K (24.8%)

Investment Metrics

Gross Yield 5.6%

Cap Rate 3.6%

Price-to-Rent 17.8 (Balanced)

Property Tax $1,332/yr

Demographics

Median Income $71,662

Median Age 37.3

Employment 99.8%

Home Value Trends

1-Year Appreciation +0.7%

3-Year Appreciation +15.6%

5-Year Appreciation +59.3%

Rental Market

$1,731/mo

Renter population: 35.1%

Lending Status

Not Available

$150K – $10M · Business purpose

Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis

Community Snapshot
Population487K

959/sq mi

Median Income$71,662

$41,957 per capita

Employment99.8%

3.6% unemployment

Occupancy91.9%

35.1% renters

College Educated40.2%
Median Age: 37.3215K Housing UnitsMedian Built: 1985

Partial Opportunity Zone

Select census tracts in this area are federally designated

Investors in Knox County may qualify for significant tax advantages under the Opportunity Zones program (IRC §1400Z-2).

Tax Deferral

Defer capital gains taxes by reinvesting into Qualified Opportunity Funds

Step-Up in Basis

10% exclusion on deferred gains after 5 years of holding

Tax-Free Growth

Zero capital gains on QOF appreciation if held 10+ years

Consult a qualified tax advisor to determine eligibility. Opportunity Zone designations are subject to change. USDV Capital finances projects in designated Opportunity Zones — speak with an advisor to explore QOF-eligible structures.

Top Cities in Knox County

4 cities by population

CityHome Value
KnoxvilleKnox County$363,688View →
FarragutKnox County$677,796View →
PowellKnox County$353,969View →
MascotKnox County$276,562View →

Top Neighborhoods in Knox County

16 neighborhoods

View all 16 →

Belle Morris

$212,847+17.2%

Beaumont

$168,817+48.6%

College Hills

$177,758+40.8%

Downtown Knoxville

$690,879+28.5%

Edgewood

$233,067+23.4%

Fort Sanders

$466,521+42.9%

Fourth and Gill

$462,378+27.0%

Mechanicsville

$211,353+32.2%

Mornngside

$191,313+18.1%

Oakwood

$239,830+18.6%

Old City

$540,422+25.6%

Old North Knoxville

$330,205+18.3%
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Property Details

$370,643
$100K$2M
25% ($92,661)
15%50%
7.50%
6%10%
$1,731

Investment Projection

Monthly Cash Flow

-$676

Cash-on-Cash

-8.8%

DSCR Ratio

0.89

Annual Cash Flow

-$8,112

Monthly P&I: $1,944 | Est. Expenses: $463

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Knox County Investment Report

Comprehensive county market analysis

+12.4%
$485K
8.2%
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Free Investment Report

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Make data-driven investment decisions with our comprehensive county report, including pricing trends, rental yields, and DSCR loan scenarios.

  • Complete market data & demographics
  • 5-year price appreciation trends
  • Rental yield analysis by property type
  • Investment opportunity score
  • Comparable market benchmarks
  • DSCR loan scenario modeling

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Exclusive Guide

Top 10 Cities in Knox County for DSCR Investment

Our data team analyzed every citie in Knox County to find the best opportunities for cash-flowing DSCR investments.

Ranked by investment potential score
Includes median prices & rental yields
5-year appreciation forecasts

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Top 10 Cities

Knox County | DSCR Investment

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Your Real Estate CFO

We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your Knox County deal. Close in 28 days or we pay you $1,000.

$1.3B+

Transactions Advised

42

States Active

28 Days

Or $1,000 Guarantee

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Flexible Financing for Every Deal

All products below are eligible for our 28-day close guarantee.

Bridge Loans

Bridge Loans

Short-term financing for acquisitions, refinancing, or repositioning

  • 12-24 month terms
  • Up to 80% LTV
  • Interest-only payments
  • Flexible prepayment
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Fix & Flip

Fix & Flip

Fast funding for property renovation and resale

  • 6-18 month terms
  • Up to 90% of purchase + rehab
  • Fast closings
  • Interest-only payments
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Ground-Up Construction

Ground-Up Construction

Financing for new development projects from land to completion

  • 12-36 month terms
  • Up to 90% of costs
  • Progress-based draws
  • Interest-only payments
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DSCR Rental

DSCR Rental

Long-term financing for single-family rentals and portfolio acquisitions

  • 5-30 year terms
  • Up to 85% LTV
  • Portfolio options
  • No personal income docs
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Larger Deals

Multifamily & Build-to-Rent

For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.

Multifamily
Up to $50M

Multifamily

Permanent and bridge financing for apartment buildings and complexes — 5 units and up.

  • Up to $50M
  • 5–30 year terms
  • Up to 80% LTV
  • Bridge and permanent options
  • Interest-only available
Schedule a Consultation
Build-to-Rent Communities
Up to $50M

Build-to-Rent Communities

Institutional financing for single-family rental community developments from land to stabilization.

  • Up to $50M
  • Construction through permanent
  • Community-scale underwriting
  • Progress-based draw schedule
  • Custom closing timeline
Schedule a Consultation

Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.

Your Real Estate CFO

We structure, source, and close financing for your investment properties. Let us help you capitalize on Knox County opportunities.

48-Hour

Term Sheet

$150K-$10M

Loan Range

28-Day

Close Guarantee

$1,000 GUARANTEE

If we can't close in 28 days, we pay you $1,000

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