Rents are 10% below what Gallatin's 10-year trend predicts — a better deal than its own history suggests.
Rent by unit size
These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $1,719 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.
Source: HUD Small Area Fair Market Rents. Read the methodology →
12-month history
Last updated: October 17, 2026
What the numbers show
February. Asking rents in Gallatin usually run 0.6% below trend in February and 1% above it in July, about $28 a month apart at today's median. Based on 8 years of data.
Rent in Gallatin is 0.2% below its high of $1,722 in July 2026, at $1,719 as of September 2026.
Rent in Gallatin changed +0.8% over the year to September 2026. Across the 51 Tennessee cities Zillow tracks, the typical change was +2.0%.
From 2019 to 2024, rent in Gallatin rose 35.1% while median household income rose 29.7% ($59,745 to $77,518). Rent outpaced income.
Rent in Gallatin is 33.5% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.
Rent rose in 6 of the last 12 months.
30% of the median household income ($77,518) is $1,938 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,540); a 3-bedroom is $1,950.
Springfield, 24 miles away, rents for 11% less ($1,534/mo), about $2,200 a year in savings.
From Zillow's monthly rent index (ZORI) for Gallatin. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
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Who lives here
Gallatin, TN is majority owner-occupied, 33.5% of residents hold a bachelor's degree or higher.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How Gallatin, TN has changed in 5 years
Since 2021, the typical rent in Gallatin, TN has climbed from $1,353 to $1,719, a 27.1% change over five years. Median household income rose from $62,881 to $77,518 between 2021 and 2024, a 23.3% shift. That spread, with rent up faster than earnings, points to a tougher affordability environment than five years ago. The population has grown by 12.1% since 2021, moving from about 43,306 residents to roughly 48,532. Renters now make up 42.9% of households, compared with 38.6% five years ago. College-educated residents now make up 33.5% of adults here, versus 29.2% in 2021. Taken together, the five-year picture in Gallatin, TN reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.
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At $1,719/mo, how Gallatin rent compares to typical pay (30% rule).
Gallatin rent by bedroom count
Median rent for each apartment size in Gallatin. Click any size for full breakdown.
Tips for renters in Gallatin
Last updated: October 17, 2026
The median rent in Gallatin is $1,719/mo as of October 2026. A studio apartment averages $1,340/mo while a 2-bedroom runs $1,540/mo. One-bedroom apartments average $1,390/mo and 3-bedroom units go for $1,950/mo.
At 27% of local median household income ($77,518/yr), Gallatin ranks as affordable compared to the national benchmark of 30%. Rents have increased 0.8% over the past year.
Frequently asked questions
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Which nearby cities are cheaper to rent in than Gallatin?
At $1,719/mo, rent takes ~27% of Gallatin's median household income ($77,518/yr). The standard benchmark is 30%.
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Estimated from ZIP-level data
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