Gallatin, Tennessee

Gallatin home loans, from townhomes to rental portfolios

Gallatin is the Sumner County seat, on Old Hickory Lake, growing by more than a fifth since 2020. Four in ten Gallatin homes date to 2010 or later, and about a quarter are in apartment buildings, alongside an older core around the courthouse square. This page covers townhome and new-home purchases, rentals and builder financing.

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Townhomes, new subdivisions and in-town houses: conventional, FHA or VA where licensed
Rental, renovation and build financing in Sumner County
Business-purpose loans for apartment communities

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Gallatin at a glance

Steady growth, lots of new building and nearly twice the state's apartment share.

Measure	Gallatin	Tennessee
Population, July 2025	About 54,600	About 7,315,000
Change since 2020	Up about 23 percent	Up about 6 percent
Homes built 2010 or later	About 41 percent	15 percent
Median year built	2004	1987
Single-family detached homes	About 56 percent	68 percent
Homes in buildings with five or more units	About 26 percent	14 percent
Townhomes	About 9 percent	About 4 percent
Owner-occupied homes	About 57 percent	About 67 percent
Median home value (owner estimate)	About $372,000	About $287,000

Sources: U.S. Census Bureau, American Community Survey 2020-2024 five-year estimates (opens in a new tab) (housing figures; estimates with margins of error) and Vintage 2025 population estimates (opens in a new tab) (July 1, 2025, compared with the April 2020 base). Accessed Oct. 20, 2026.

The takeaway: four in ten Gallatin homes date to 2010 or later, and the mix runs from detached houses to townhome rows to apartment communities, so buyers see several kinds of homes and investors find rentals of every size.

A data center, the lake and State Route 386

Meta broke ground on its Gallatin data center in 2020, describing it as a $1.5 billion-plus investment (opens in a new tab) with about 100 operational jobs once complete. The Gallatin Economic Development Agency (opens in a new tab) also markets lakefront corporate sites on Old Hickory Lake near Fairvue and an office site at McCain Station, directly on State Route 386.

That road, Vietnam Veterans Boulevard, links Gallatin west to Hendersonville and I-65, and the City's development list shows new communities such as Oxford Station (opens in a new tab), with 110 townhomes and 42 single-family homes, under construction beside it. With about a fifth of homes built before 1970 and four in ten since 2010, one Gallatin search can turn up a mid-century house and a brand-new townhome.

Ways to finance a Gallatin purchase or project

Townhomes and new homes. Townhomes are about 9 percent of Gallatin's housing, more than double the state's share, and four in ten homes are recent. Conventional, FHA and VA can each work on many finished townhomes and houses, depending on the property; we'll look at how a particular townhome is structured early in your search.

Older in-town houses. About a fifth of homes predate 1970. Renovators use fix and flip loans to buy and update them, and some keep the finished house and lease it on a DSCR loan.

Builders. With growth this steady, spec homes and build-to-rent phases are common projects, funded with a ground-up construction loan in draws.

Why Gallatin has so many apartments and townhomes

About 26 percent of Gallatin homes are in buildings of five or more units, close to double the state's share, and about 9 percent are townhomes. Single-family detached houses make up only about 56 percent of the housing, against 68 percent statewide. Put that next to growth of about 23 percent since 2020, and you get a city where every housing format is part of the mix.

For investors, that mix opens several lanes in one market. A townhome bought as a rental can go on a business-purpose DSCR loan. An apartment community or a small mixed-use building near downtown can be financed on select business-purpose programs. A builder can fund a row of townhomes or a cluster of rental houses with a construction loan, then refinance the finished units once they're leased. For a buyer who wants to live here, the same variety means a first townhome, a new detached house or an older house in town can all be on the list, and conventional, FHA and VA can each fit.

For investors and builders: Gallatin

Business-purpose loans for investment property only. Not for personal, family or household use. Subject to approval. Equal Housing Opportunity.

DSCR rental loans

Townhomes and single-family rentals in Sumner County, qualified chiefly on the rent.

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Fix and flip

Update an older in-town Gallatin house and resell it, with rehab funds released in stages.

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Ground-up construction

Townhome rows, spec houses and build-to-rent clusters in a city up about 23 percent since 2020.

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Bridge loans

Secure a lot or a property before the longer-term loan is ready.

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Apartment communities

Roughly a quarter of Gallatin's housing is apartments. We finance those buildings for business purposes on select programs.

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Home loans that fit Gallatin

Home loans are offered only in states where Iron Hill Mortgage is licensed. Check our licensing page or NMLS Consumer Access for where we're licensed. Iron Hill Mortgage is a private company. We are not a government agency, and we are not endorsed by HUD, the FHA or the U.S. Department of Veterans Affairs.

Conventional loans

For new subdivision homes, townhomes and in-town resales.

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FHA loans

Insured by the FHA. Many Gallatin buyers price it against conventional on their first purchase.

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VA loans

Guaranteed in part by VA. For eligible veterans buying an older Gallatin house, a townhome or a newly finished home.

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Before you call about a Gallatin property

Townhome? The listing link, so we can review the property's structure.
Older in-town house? Your offer price, the rehab scope and a budget.
New build? The builder's contract draft and the expected finish month.
Rental? The rent you expect and two or three nearby leased comparables.

Common questions

Is Gallatin the county seat of Sumner County?

Yes. Gallatin is the Sumner County seat, about 54,600 residents as of July 2025, with Hendersonville to the west along Vietnam Veterans Boulevard.

Can I buy a Gallatin townhome as my first home?

Often, yes. Townhomes make up about 9 percent of Gallatin's housing, and conventional, FHA and VA can all be used on one, depending on the property. Share the listing early and we'll confirm which programs fit that specific townhome.

Do you finance build-to-rent projects in Gallatin?

Yes, on select business-purpose programs. Construction money goes out in phases, and once houses or townhomes are finished and leased, each can move onto a long-term rental loan sized on its rent.

What is Meta building in Gallatin?

A data center. Meta says it broke ground in 2020 on a $1.5 billion-plus investment that will support about 100 operational jobs once complete, and the Gallatin Economic Development Agency also markets lakefront and State Route 386 office sites.

Can I flip an older house in Gallatin?

Yes. About a fifth of Gallatin homes are from before 1970, and a renovate-and-resell project on one of them is a business-purpose loan: purchase money up front and the update budget in stages. Bring the scope and a realistic resale figure.