With a 190k income, you're well-positioned to purchase a home in Tennessee. Financial advisors recommend spending about 3 to 4 times your annual income on a home, suggesting a budget between $570,000 and $760,000, depending on factors like your down payment and existing debts.

In Nashville, the median home price is approximately $450,000, which is below your minimum affordability range. This situation opens up a broad selection of homes, potentially allowing you to consider higher-end properties or homes in better neighborhoods.

Other areas such as Memphis and Knoxville offer competitive pricing at around $300,000. Tennessee's property tax rate averages 0.66%, adding roughly $2,970 annually on an average home. Coupled with a cost of living below the national average, your income provides ample opportunities for homeownership.