Over the past 12 months, 224 homes closed in Gallatin between $375,000 and $425,000. That is a lot of data. What it does not tell you on its own is that $400,000 lands very differently depending on which neighborhood absorbs it.

This post breaks that down by subdivision: not in generalities, but with the actual numbers from RealTracs closed sales. If you are comparing Gallatin to Hendersonville at this price point, start with my post on what $400,000 buys in each city. This post is the drill-down for buyers who have already decided Gallatin is the market and want to know which neighborhoods match their actual priorities. If you want that drill-down applied to your specific priorities before you start touring, Ryan Beals can pull the subdivision-by-subdivision comparison and show you which neighborhoods actually fit. One number sets the context before we go further: 64% of Gallatin’s closed sales in this price range were new construction built in 2020 or later. Median year built across all 224 closed sales was 2024. That fact reshapes how you evaluate almost every neighborhood on this list.

One Thing to Understand Before You Pick a Neighborhood

Roughly 76% of the closed sales in this price range fell within the Gallatin Senior High School attendance zone. About 24% fell within the Station Camp or Liberty Creek zones. Those are meaningfully different buyer pools, and school zone assignment affects both the competition you will face and the resale value you will eventually capture. School zones are called out for each neighborhood below. These come directly from RealTracs listing data, not assumptions. Confirm any specific address against the current Sumner County zone map before writing an offer. Lines can shift and individual streets sometimes split zones.

Nexus North is the all-ages companion to the Nexus and Nexus South 55+ communities along the Hwy 109 corridor. Because it does not carry an age restriction, it draws a broader buyer pool and tends to see faster absorption than its neighbors. For the full picture on Nexus North, including closed sale data and what distinguishes it from the rest of the Gallatin new construction market, the Nexus North community guide has the breakdown.

Nexus (Nexus North, Nexus South): Eastern Gallatin Near Hwy 386

This is the most active new construction community in Gallatin’s $375,000 to $425,000 range right now. Combined across the Nexus, Nexus North, and Nexus South entries in RealTracs, this community produced 63 closed sales in the past 12 months, more than any other subdivision in this price range by a significant margin. Four days on market at the median is not a typo. These homes are moving before most buyers finish their search. Several recorded 0 days on market, meaning they sold as presale contracts before going active in the MLS. If Nexus is on your list, getting early notification matters more here than almost anywhere else in this market. The trade-off for the speed and new construction quality is square footage. At a median of 1,707 square feet, these are efficient floor plans: open concept, two-car garage, LVP flooring, granite or quartz standard. If you need 2,200 square feet or more, Nexus is probably not your community. School zone: Gallatin Senior High School for most of the community. Confirm your specific lot, particularly for addresses closer to Long Hollow Pike.

The Knoll at Fairvue: Western Gallatin, Hwy 31E Corridor

Twelve closed sales in the past 12 months at a median of $411,008 and 2,100 square feet. Median year built 2025. This is new construction adjacent to the broader Fairvue Plantation community, and it carries access to Fairvue’s amenity package. The HOA sits at the higher end of what you will encounter in Gallatin’s $400,000 range. What you are paying for is access to Fairvue Plantation amenities: pool, clubhouse, common areas, plus new construction quality. Before you close, read the full HOA documents. Not as a formality. Actually read them. There are architectural guidelines that govern exterior modifications, and buyers who skip this step sometimes discover restrictions they were not expecting after closing. The price per square foot here runs slightly higher than Nexus or Cumberland Landing, reflecting the amenity premium and location. Buyers who want a social community with built-in amenities and are comfortable with HOA oversight tend to be satisfied here. Buyers who want freedom to make exterior changes often find the restrictions frustrating. School zone: Gallatin Senior High School.

Cumberland Landing: North Gallatin

Eleven closed sales, the highest median square footage of any active new construction community in this price range, and a median days on market of zero. Zero days on market means these homes are selling as builder contracts before they ever hit active status. Cumberland Landing is delivering the most square footage per dollar of any new construction subdivision in this data set. If square footage is your primary driver and you are comfortable buying from a builder plan rather than walking through a finished home, this community warrants a close look. Lot size data was limited in the RealTracs records for this subdivision, which is typical for active new construction where plats are still being recorded. Ask the builder directly for lot dimensions before signing a contract. School zone: Gallatin Senior High School.

For a full breakdown of the builder, floor plan options, HOA structure, and Station Camp school zone context, see the complete Cumberland Landing Gallatin TN neighborhood guide.

If you want a Ryan Homes product at a lower price point, Windsong Gallatin TN offers attached townhomes starting in the low $300s with HOA-covered exterior maintenance , a different product type from the same builder at a meaningfully different entry price.

Winston Place: Central Gallatin

Eleven closed sales, 2024 to 2025 builds, and a meaningfully different buyer experience than the faster-moving communities above. Winston Place showed a median of 30 days on market, the longest of any high-volume Gallatin subdivision in this price range. That is not a red flag. It reflects a sales pace that gives buyers more room to think, negotiate, and complete due diligence without competing against multiple offers simultaneously. The HOA fee here is among the lowest you will find in Gallatin’s new construction communities. If you want new construction quality without a significant monthly HOA obligation, Winston Place is worth including in your search. School zone: Gallatin Senior Langford Farmsh2>Langford Farms: Southern Gallatin Nine closed sales, a genuine lot size story, and a price point that runs slightly below the broader Gallatin median in this range. Langford Farms is delivering new construction on real lots in a price range where land is increasingly scarce. At 0.15 acres median, these are not large lots by historical Gallatin standards, but they are larger than what most townhome-style new construction provides at this price. If you want a yard, a fence line, and some space between you and your neighbors, this community has it at a price point that comes in below the Gallatin median. School zone: Confirm by specific address. The southern corridor near Gallatin’s outer boundaries touches multiple zone lines.

Buyers working the lower end of this range, closer to $280K–$325K, should also look at Preston Park in central Gallatin. It is an attached townhome community with garages, HOA-covered exterior maintenance, and closed sales from $280,000 to $325,000 over the past 12 months. The median sits just under $300K, which makes it one of the more affordable entry points in the 37066 zip code for buyers who want low-maintenance ownership without a condo association structure.

Resale Homes: Pre-2000 Builds

Twenty-five closed sales in the past 12 months were pre-2000 builds within this price range. These are the outliers in a market dominated by new construction, and they tell a distinct story. That lot size figure is the headline. At 0.43 acres median, older resale homes in Gallatin are delivering nearly double the land of most new construction communities in this price range, at the same price and comparable square footage. If a large lot, mature trees, and real space between neighbors is your priority, the resale segment is where it lives. The trade-off is condition risk. Homes built before 2000 carry more exposure on HVAC age, roof age, plumbing, and electrical. None of that is disqualifying, but your inspection contingency is not optional here. Budget for the possibility that the inspection surfaces deferred maintenance, because in this age range it often does. School zones in the pre-2000 resale segment are more varied. Older in-town and northern Gallatin resale homes can fall in Gallatin Senior, Station Camp, or Liberty Creek zones depending on exact location. Confirm before you tour.

Elk Acres is another established resale option worth considering if you are under $425,000. It sits off Hwy 109 in the Windsong corridor, with 16 closed sales over the past 12 months ranging from $305,000 to $400,000 and a median around $340,000. Most homes are all-brick or partial-brick builds, and the school zone varies by street, so verify the address before making an offer.

The neighborhood that shows up most consistently in this resale tier is Hollywood Hills in central Gallatin. Closed sales there ranged from $125,000 to $325,000 over the past 12 months, with the wide spread driven almost entirely by condition. Fully renovated homes come in near the top of that range. Homes that need work come in at the bottom. If you know how to read a condition-adjusted comp, this neighborhood offers some of the lowest entry points in the 37066 zip code.

The Station Camp and Liberty Creek Zone: What the Closed Data Shows

Fifty-four of the 224 closed sales in this price range fell within the Station Camp and Liberty Creek school zones over the past 12 months. That is 24% of the market. Here is what the data shows for that segment specifically. For comparison, the Gallatin Senior zone closed at a median DOM of 12 days and an avg list-to-sale ratio of 99.2% in the same period. The Station Camp and Liberty Creek zone is not moving faster or closer to list price right now. What it is doing is holding its value consistently, and that matters most when the broader market softens. There is a common assumption that Station Camp and Liberty Creek zone homes command a meaningful premium over Gallatin Senior zone homes at this price range. At $400,000, the closed data does not show significant price separation. The school zone affects long-term buyer demand and resale stability more than today’s transaction price. That is a different kind of value, but a real one. The zone line in the Long Hollow Pike corridor near Hwy 386 is not where most buyers assume it falls. I grew up in this area and have tracked the line across multiple development cycles. If school zone assignment is a deciding factor in your search, call me before you tour, not after you have fallen in love with a house that turns out to be on the wrong side of the boundary. Liberty Creek zone communities in this price range include Twin Eagles (all-brick homes from $370,000), Cambridge Farms (entry-level phases from the mid-$300s), Fairway Farms (all-brick from $400,000), and Eagle Creek (established resale, no HOA, median $395,000). Each has a full market data breakdown if you want to go deeper on any of them. If your budget can stretch just past this ceiling, Kennesaw Farms is the largest Station Camp zone community in this corridor, with 105 closed sales and a median of $489,330. Cumberland Point by Century Communities offers newer townhomes starting around $289,000 in this corridor, though school zone assignment varies by unit, so verify the specific address before committing.

McCain's Station also belongs in this conversation: 77 closed sales over the past 12 months at a median of $323,900, with single-family homes in the Station Camp school zone and a price point that fits squarely under $425,000. For buyers who want a new-construction townhome at the entry end of this zone, Oxford Station by CastleRock Builders closed 18 sales with a median near $355,000 and lower exterior maintenance than a detached home.

Stratford Park is another Liberty Creek zone option at the entry end of the market. It recorded 3 closed sales in the past 12 months at a median of $339,000, with a mix of all-brick townhomes and detached single-family homes on Saxony Way starting from $332,000. The full price and HOA breakdown is in the Stratford Park neighborhood guide.

Two more subdivisions that show up consistently in the under-$425K closed data: Patterson Farms closed at a $389K median across 10 sales, with homes starting at $335,500 — solid resale value in the Station Camp zone corridor. Cumberland Place is an established neighborhood with homes from the $340s, located near Old Hickory Lake on the western end of Gallatin — lake proximity without the waterfront premium.

Market Data: Gallatin 37066, Closed Sales

Metric	Value
Total closed sales	224
Sale price range	$375,000–$425,000
Median sale price	$400,000
Average sale price	$401,013
Median square footage	1,821 sq ft
Square footage range	1,248–3,201 sq ft
Median price per sq ft	$217.73
Median lot size	0.24 acres
Median days on market	13 days
Avg list-to-sale ratio	98.9%
New construction share (2020+)	64% of closed sales
Median year built	2024
Most common bedroom count	3 bedrooms
Homes with HOA	83% of closed sales
Median HOA fee	$161/month
HOA fee range	$18–$500/month

Data from RealTracs MLS. Rolling 12-month period. Closed sales only.

Schools

High school zones from RealTracs closed sales data: Gallatin Senior High School served 170 of 224 closed sales (76%), Liberty Creek High School served 29 closed sales (13%), and Station Camp High School served 25 closed sales (11%). Junior high schools serving the majority of Gallatin Senior zone buyers include Joe Shafer Middle School and Rucker Stewart Middle. Liberty Creek Middle School and Station Camp Middle School serve their respective high school zones. Always verify school assignment for a specific address at the Sumner County Schools website or by calling the district directly. Zone lines in Gallatin’s active development corridors are updated as new phases open.

Why Work with Ryan Beals

I grew up in Gallatin and Hendersonville and have watched these subdivisions develop in real time: not on a map, but on the roads I drove growing up and in neighborhoods where people I know bought their first homes. My approach is not to tell you which neighborhood to pick. It is to show you what the closed data says about each one, explain what the data does not capture, and let you make the call. You are going to live there. You should understand exactly what you are buying before you sign anything. If the school zone line near Long Hollow Pike matters to your family, I can show you precisely where it falls and which streets land on which side. If you want to compare two subdivisions side by side with real numbers before you tour, I will pull them. That is the kind of specificity I bring to every buyer conversation in this market.

One neighborhood worth flagging for buyers whose budget sits below $425,000 and closer to $300,000: The Towns at Red River is the only walkable-to-downtown townhome community in Gallatin with closed sales under $300,000. It is a different product type than the neighborhoods covered in this post, but if that price range fits your situation, The Towns at Red River neighborhood guide has the closed sale data and what that price point actually delivers.

FAQ: Gallatin TN Neighborhoods Under $425,000