Tennessee Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 95 counties in Tennessee. FHA limits in this state range from $541,287 to $669,012, while conforming limits range from $832,750 to $1,029,250.
2026 Loan Limits by County in Tennessee
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Anderson County | $541,287 | $832,750 | $239,400 |
| 2 | Bedford County | $541,287 | $832,750 | $281,200 |
| 3 | Benton County | $541,287 | $832,750 | $153,600 |
| 4 | Bledsoe County | $541,287 | $832,750 | $189,400 |
| 5 | Blount County | $541,287 | $832,750 | $320,500 |
| 6 | Bradley County | $541,287 | $832,750 | $261,900 |
| 7 | Campbell County | $541,287 | $832,750 | $186,500 |
| 8 | Cannon County | $669,012 | $1,029,250 | $252,000 |
| 9 | Carroll County | $541,287 | $832,750 | $142,400 |
| 10 | Carter County | $541,287 | $832,750 | $168,200 |
| 11 | Cheatham County | $669,012 | $1,029,250 | $338,700 |
| 12 | Chester County | $541,287 | $832,750 | $164,400 |
| 13 | Claiborne County | $541,287 | $832,750 | $159,900 |
| 14 | Clay County | $541,287 | $832,750 | $136,400 |
| 15 | Cocke County | $541,287 | $832,750 | $158,100 |
| 16 | Coffee County | $541,287 | $832,750 | $246,800 |
| 17 | Crockett County | $541,287 | $832,750 | $158,900 |
| 18 | Cumberland County | $541,287 | $832,750 | $250,500 |
| 19 | Davidson County | $669,012 | $1,029,250 | $417,400 |
| 20 | DeKalb County | $541,287 | $832,750 | $235,500 |
| 21 | Decatur County | $541,287 | $832,750 | $139,600 |
| 22 | Dickson County | $669,012 | $1,029,250 | $306,400 |
| 23 | Dyer County | $541,287 | $832,750 | $166,400 |
| 24 | Fayette County | $541,287 | $832,750 | $340,800 |
| 25 | Fentress County | $541,287 | $832,750 | $168,200 |
| 26 | Franklin County | $541,287 | $832,750 | $236,900 |
| 27 | Gibson County | $541,287 | $832,750 | $156,900 |
| 28 | Giles County | $541,287 | $832,750 | $234,300 |
| 29 | Grainger County | $541,287 | $832,750 | $189,200 |
| 30 | Greene County | $541,287 | $832,750 | $207,500 |
| 31 | Grundy County | $541,287 | $832,750 | $154,000 |
| 32 | Hamblen County | $541,287 | $832,750 | $210,900 |
| 33 | Hamilton County | $541,287 | $832,750 | $312,800 |
| 34 | Hancock County | $541,287 | $832,750 | $134,500 |
| 35 | Hardeman County | $541,287 | $832,750 | $121,700 |
| 36 | Hardin County | $541,287 | $832,750 | $160,400 |
| 37 | Hawkins County | $541,287 | $832,750 | $176,300 |
| 38 | Haywood County | $541,287 | $832,750 | $152,400 |
| 39 | Henderson County | $541,287 | $832,750 | $164,800 |
| 40 | Henry County | $541,287 | $832,750 | $160,200 |
| 41 | Hickman County | $669,012 | $1,029,250 | $224,100 |
| 42 | Houston County | $541,287 | $832,750 | $172,700 |
| 43 | Humphreys County | $541,287 | $832,750 | $193,400 |
| 44 | Jackson County | $541,287 | $832,750 | $155,500 |
| 45 | Jefferson County | $541,287 | $832,750 | $229,300 |
| 46 | Johnson County | $541,287 | $832,750 | $178,600 |
| 47 | Knox County | $541,287 | $832,750 | $320,900 |
| 48 | Lake County | $541,287 | $832,750 | $97,900 |
| 49 | Lauderdale County | $541,287 | $832,750 | $143,200 |
| 50 | Lawrence County | $541,287 | $832,750 | $194,400 |
| 51 | Lewis County | $541,287 | $832,750 | $173,400 |
| 52 | Lincoln County | $541,287 | $832,750 | $229,700 |
| 53 | Loudon County | $541,287 | $832,750 | $348,000 |
| 54 | Macon County | $669,012 | $1,029,250 | $225,700 |
| 55 | Madison County | $541,287 | $832,750 | $211,800 |
| 56 | Marion County | $541,287 | $832,750 | $195,200 |
| 57 | Marshall County | $541,287 | $832,750 | $279,800 |
| 58 | Maury County | $669,012 | $1,029,250 | $355,700 |
| 59 | McMinn County | $541,287 | $832,750 | $211,800 |
| 60 | McNairy County | $541,287 | $832,750 | $161,800 |
| 61 | Meigs County | $541,287 | $832,750 | $180,000 |
| 62 | Monroe County | $541,287 | $832,750 | $227,500 |
| 63 | Montgomery County | $541,287 | $832,750 | $280,200 |
| 64 | Moore County | $541,287 | $832,750 | $285,300 |
| 65 | Morgan County | $541,287 | $832,750 | $166,300 |
| 66 | Obion County | $541,287 | $832,750 | $133,600 |
| 67 | Overton County | $541,287 | $832,750 | $173,200 |
| 68 | Perry County | $541,287 | $832,750 | $126,900 |
| 69 | Pickett County | $541,287 | $832,750 | $178,500 |
| 70 | Polk County | $541,287 | $832,750 | $169,900 |
| 71 | Putnam County | $541,287 | $832,750 | $282,500 |
| 72 | Rhea County | $541,287 | $832,750 | $206,000 |
| 73 | Roane County | $541,287 | $832,750 | $232,900 |
| 74 | Robertson County | $669,012 | $1,029,250 | $335,000 |
| 75 | Rutherford County | $669,012 | $1,029,250 | $382,600 |
| 76 | Scott County | $541,287 | $832,750 | $124,900 |
| 77 | Sequatchie County | $541,287 | $832,750 | $232,600 |
| 78 | Sevier County | $541,287 | $832,750 | $299,000 |
| 79 | Shelby County | $541,287 | $832,750 | $249,100 |
| 80 | Smith County | $669,012 | $1,029,250 | $243,800 |
| 81 | Stewart County | $541,287 | $832,750 | $204,700 |
| 82 | Sullivan County | $541,287 | $832,750 | $213,300 |
| 83 | Sumner County | $669,012 | $1,029,250 | $393,100 |
| 84 | Tipton County | $541,287 | $832,750 | $240,600 |
| 85 | Trousdale County | $669,012 | $1,029,250 | $337,600 |
| 86 | Unicoi County | $541,287 | $832,750 | $189,600 |
| 87 | Union County | $541,287 | $832,750 | $204,000 |
| 88 | Van Buren County | $541,287 | $832,750 | $159,200 |
| 89 | Warren County | $541,287 | $832,750 | $192,900 |
| 90 | Washington County | $541,287 | $832,750 | $249,000 |
| 91 | Wayne County | $541,287 | $832,750 | $130,700 |
| 92 | Weakley County | $541,287 | $832,750 | $151,200 |
| 93 | White County | $541,287 | $832,750 | $207,200 |
| 94 | Williamson County | $669,012 | $1,029,250 | $751,900 |
| 95 | Wilson County | $669,012 | $1,029,250 | $428,000 |
About Tennessee's Mortgage Market
Tennessee has 95 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Tennessee range from $541,287 to $669,012 for a single-family home. Conforming limits range from $832,750 to $1,029,250.
Use our mortgage calculator to compute monthly payments using Tennessee-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Tennessee?
The highest 2026 FHA limit in Tennessee is $669,012 for a single-family home.
What is the maximum conforming loan limit in Tennessee?
The highest 2026 conforming loan limit in Tennessee is $1,029,250 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Tennessee?
Tennessee has 95 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.