Homeownership on Your Terms: What to Know About Buying a Home Solo in Tennessee
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For generations, homeownership was often seen as a milestone that followed marriage, joint incomes, and white-picket-fence expectations. But for a growing number of Tennesseans, “settling down” doesn’t require settling for someone else’s timeline. Across the country, and right here in Tennessee, single homebuyers are making confident, independent decisions to invest in their future—on their terms.
According to the National Association of Realtors®, single buyers now account for nearly one-third of all home purchases in the United States. Women lead the way, representing 20% of all homebuyers compared to 8% of single men. And among first-time homebuyers specifically, single women stand out even more, comprising 24% (nearly one out of four) of those purchasing homes today.
While there are plenty of practical questions to consider when buying a home alone—credit, down payments, square footage—there’s a deeper shift happening: Singles are no longer waiting to build equity, stability, and a sense of place. They’re choosing to grow roots now, not later.
Redefining the American Dream
Instead of viewing solo homeownership as a placeholder for a future with someone else, many buyers treat it as a power move—taking control of their financial future, locking in stable housing costs, and curating a space that supports their lifestyle.
In fact, for many singles, homeownership isn’t about “waiting for someday.” It’s about finally giving themselves permission to stop waiting.
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Planning for One, Dreaming for More
Of course, buying solo doesn’t mean you’re not thinking about the future. Here’s one common question from single buyers: Should I buy small for now or go bigger if my life expands?
There’s no one-size-fits-all answer. Some buyers want a cozy starter home so they can save, gain equity, and remain flexible. Others have a strong sense of their future goals and decide it’s worth stretching for a larger place they can grow into.”
Factors like location, income, and maintenance all come into play. However, a trusted REALTOR® from an organization like TN Realtors® can help clients make decisions based on their present situation and long-term hopes.
That’s what makes solo homeownership so personal—it’s both a financial and emotional investment.
Facing the Mortgage Math Solo
Buying a home alone often comes with the reality of qualifying on a single income. But is that a dealbreaker? Not necessarily.
If you have a good credit score and a stable income, you should be able to get approved for a home loan. Yes, dual income can help boost the loan amount, but it’s not everything. What really matters is your debt-to-income ratio, your credit history, and how much you can afford to put down.
If you have a good credit score and stable income, you shouldn’t typically have trouble getting approved. Yes, dual income can help boost the loan amount, but it’s not everything. What really matters is your debt-to-income ratio, your credit history, and how much you can afford to put down.
Single buyers are often pleasantly surprised at what’s possible with the right guidance. Programs like Fannie Mae’s HomeReady and Freddie Mac’s Home Possible offer reduced down payments and flexible credit requirements—perfect for first-time or solo buyers.
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What Solo Buyers Shouldn’t Overlook
Beyond financing, single homebuyers should consider the logistics of solo living.
If there’s a yard, can you manage it on your own? If the home needs repairs, are you ready to coordinate that? Do you feel safe living alone in this neighborhood?
There’s also the emotional side. Buying a home alone can feel intimidating, especially when friends or family still equate “home” with “couple.”
But that’s changing.
For many single buyers, owning a home is about creating a sense of sanctuary—a space that’s entirely their own, from the throw pillows to the porch lights. And with home prices on the rise in many Tennessee markets, buying now can be a smart way to get ahead financially.
The Bottom Line
Whether you’re buying your first home or your forever home, having a Realtor in your corner matters—especially when you’re going it alone.
From walking you through pre-approval to negotiating a competitive offer to helping you spot long-term potential, Realtors aren’t just salespeople. They’re trusted advisors who can help you confidently make smart, informed decisions.
Being single isn’t a barrier to homeownership—it can be the very reason to pursue it. Whether you’re craving stability, investing in your future, or simply ready to live on your own terms, buying a home solo can be a bold and rewarding step.
As more Tennesseans embrace independence, equity, and the right to call a place their own, solo homeownership isn’t a backup plan—it’s a new version of the dream.
