Behind on Mortgage Payments in Murfreesboro, TN?
Get Your Cash Offer
Takes less than 30 seconds. No obligation.
How It Works
Here is how homeowners behind on payments in Murfreesboro sell with EasyOffer:
Tell Us About Your Property
Enter your address and contact info. Takes 30 seconds.
Get Your Cash Offer
We analyze your Murfreesboro property and send a fair, no-obligation offer.
Close and Get Paid
Pick your closing date. We handle paperwork and pay all closing costs.
Tell Us About Your Property
Enter your address and contact info. Takes 30 seconds.
Get Your Cash Offer
We analyze your Murfreesboro property and send a fair, no-obligation offer.
Close and Get Paid
Pick your closing date. We handle paperwork and pay all closing costs.
Market Snapshot: Murfreesboro, TN
Latest available data from public sources. Updated .
Median Home Value
$402,100
Census ACS 2024
Zillow Home Value Index
$419,033
+0.4% YoY
Zillow ZHVI
Median Sale Price
$319,945
Redfin
Days on Market
98 days
Redfin
Population
165,430
+9.5% since 2020
U.S. Census
Median Household Income
$80,108
Census ACS 2024
Sale-to-List Ratio
99.2%
Redfin
Active Inventory
179 homes
Redfin
Owner-Occupied
52.4%
Census ACS 2024
Price per Sq Ft
$188/sqft
Redfin
Recent Sales
20 homes
Redfin
Unemployment Rate
4.3%
BLS
Property Tax
$2,323/yr
Census ACS 2024
Median Age
31.6 years
Census ACS 2024
Poverty Rate
8.8%
Census ACS 2024
Avg. Commute
27 min
Census ACS 2024
| Metric | Value | Change | Source |
|---|---|---|---|
| Median Home Value | $402,100 | — | Census ACS 2024 |
| Zillow Home Value Index | $419,033 | +0.4% YoY | Zillow ZHVI |
| Median Sale Price | $319,945 | — | Redfin |
| Days on Market | 98 days | — | Redfin |
| Population | 165,430 | +9.5% since 2020 | U.S. Census |
| Median Household Income | $80,108 | — | Census ACS 2024 |
| Sale-to-List Ratio | 99.2% | — | Redfin |
| Active Inventory | 179 homes | — | Redfin |
| Owner-Occupied | 52.4% | — | Census ACS 2024 |
| Price per Sq Ft | $188/sqft | — | Redfin |
| Recent Sales | 20 homes | — | Redfin |
| Unemployment Rate | 4.3% | — | BLS |
| Property Tax | $2,323/yr | — | Census ACS 2024 |
| Median Age | 31.6 years | — | Census ACS 2024 |
| Poverty Rate | 8.8% | — | Census ACS 2024 |
| Avg. Commute | 27 min | — | Census ACS 2024 |
Why Homeowners in Murfreesboro Choose EasyOffer
Murfreesboro's median home value is $419,033 (Zillow, 2026), up 0.4% year-over-year. With 165,430 residents growing 9.5% since 2020. homes here sell in a median of 98 days with a 99.2% sale-to-list ratio. Murfreesboro has unemployment at 4.3% (BLS), a poverty rate of 8.8%, median property taxes of $2,323/year (Census ACS). the median resident age is 31.6 years.
Every missed payment in Murfreesboro adds late fees, damages your credit, and brings you closer to foreclosure. Lenders typically begin the foreclosure process after 90 to 120 days of missed payments. Selling now lets you pay off the mortgage, keep any remaining equity, and avoid the cascading consequences of inaction.
Murfreesboro is one of Tennessee's fastest-growing cities, with a ZHVI around $419K and median sale prices near $320K - far more affordable than Williamson County while still well-positioned for Nashville commuters. With homes sitting roughly 98 days on market and sale-to-list near 99.2%, the market is active but balanced. Heavy new-construction supply gives buyers options, which can leave owners of older or distressed homes competing against builder inventory - an opening for cash buyers offering speed and as-is purchases.
We also serve property owners in nearby Christiana, Smyrna, La Vergne, and throughout Tennessee.
Serving Murfreesboro and Surrounding Areas
Settled in 1811 and named for Revolutionary War officer Colonel Hardy Murfree, Murfreesboro served as Tennessee's state capital from 1818 to 1826 and sits at the geographic center of the state, marked by an obelisk near MTSU.
Neighborhoods We Serve
Blackman
A fast-growing area in northwest Murfreesboro with a mix of new and established homes, strong schools, and easy I-840 and I-24 access; subdivisions here are popular with families and Nashville commuters.
Three Rivers
An established subdivision where homes average roughly $370K-$470K with about 2,200 square feet; a steady, family-oriented neighborhood that tends to hold value well.
Gateway
A mixed-use district near Medical Center Parkway anchored by retail, hospitals, and offices, with newer townhomes and single-family homes attractive to professionals.
Downtown Murfreesboro
The historic core around the Rutherford County Courthouse square, with older homes and bungalows near MTSU that draw students, faculty, and renovation-minded buyers.
Indian Hills
An established neighborhood near a golf course offering larger lots and mature trees, popular with families seeking a settled setting close to town.
Notable Landmarks
Stones River National Battlefield · Oaklands Mansion (1830s historic plantation home) · Cannonsburgh Village (reproduction pioneer village) · Geographic center of Tennessee obelisk · The Avenue Murfreesboro shopping center
Major Employers
Middle Tennessee State University - one of the state's largest universities and a top regional employer. · Nissan - the automaker's nearby Smyrna assembly plant employs thousands of Rutherford County residents. · Ascension Saint Thomas Rutherford - a major hospital and healthcare employer in the city. · General Mills - operates a large food manufacturing facility in Murfreesboro. · Asurion - the tech-protection company maintains a significant operations presence in the area.
Top Schools
Getting Around Murfreesboro
Murfreesboro is served by Interstate 24 and Interstate 840, with U.S. 41/70S and Medical Center Parkway handling local traffic; there is no rail transit, and Nashville International Airport is about 35 miles northwest.
Natural Hazard Awareness
Murfreesboro lies in Middle Tennessee's tornado-prone region and faces localized flood risk along the Stones River and West Fork; seismic risk is low to moderate from the distant New Madrid fault.
Recent Developments
- •The Murfreesboro City Council approved the phased Keystone Project, a roughly $175 million downtown development bringing 239 multifamily units, around 100 condos, a 115-room hotel, and over 10,000 square feet of retail, with construction expected to begin around 2027.
- •Murfreesboro issued more than 2,000 residential building permits in 2024, reflecting sustained demand as families seek alternatives to Nashville's higher prices.
- •The city is implementing downtown wayfinding signage in 2026 and using state funding to help restore and add accessibility upgrades to historic downtown structures.
- •New mixed-use projects and industrial parks are expanding near the I-24 corridor as Murfreesboro grows as a manufacturing and distribution hub.
What Our Sellers Say
“My mom passed and I inherited her place in Antioch. It needed a ton of work and I live out of state so I couldn't deal with contractors or showings. They came out, looked at it, and had a number for me the next day. We closed in 9 days. The whole thing was so much easier than I expected.”
Inherited Property
“Honestly I was skeptical at first because I'd heard horror stories about cash buyers lowballing people. But they explained exactly how they came up with the number and it was fair. We were behind on payments and they got everything done in a week. No last-minute changes, no surprises at closing.”
Avoided Foreclosure
“My husband got transferred to Dallas and we had about three weeks to figure out the house. A friend told us about EasyOffer. They gave us a cash offer that same afternoon and worked around our move date. We closed 11 days later without having to do a single showing or open house.”
Job Relocation
Frequently Asked Questions
Can I sell my house if I am behind on mortgage payments?
Yes. As long as you still own the property, you can sell it. All missed payments, late fees, and the remaining mortgage balance are paid from the sale proceeds at closing.
How many payments can I miss before foreclosure in TN?
Most lenders in Tennessee begin the foreclosure process after 3 to 4 missed payments (90 to 120 days). However, timelines vary by lender and loan type. Acting sooner gives you more options.
Will I still owe money after selling if I am behind on payments?
If your home sells for more than you owe (including missed payments and fees), you keep the difference. If you owe more than the home is worth, we can negotiate a short sale with your lender.
What if the bank has already sent me a default notice?
A default notice means the clock is ticking, but you can still sell. We work fast and can close before the foreclosure process advances further. Contact us immediately to discuss your timeline.
Will selling hurt my credit less than foreclosure?
Significantly. A completed foreclosure can drop your credit score by 100 to 160 points and stays on your record for 7 years. A standard sale, even with missed payments already reported, is far less damaging.
Can I sell if I have a second mortgage or home equity loan?
Yes. All liens, including second mortgages and HELOCs, are paid off at closing from the sale proceeds. The title company ensures every lien holder is satisfied.