Tennessee Loan Limits by County, 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 95 Tennessee counties. 14 counties are high-cost areas with FHA limits above the national floor.
Choose your county to see the answer.
CountyHouseholdIncomePriceSavings
More about loan limits
Tennessee counties
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Anderson County | $541,287 | $832,750 | Floor |
| Bedford County | $541,287 | $832,750 | Floor |
| Benton County | $541,287 | $832,750 | Floor |
| Bledsoe County | $541,287 | $832,750 | Floor |
| Blount County | $541,287 | $832,750 | Floor |
| Bradley County | $541,287 | $832,750 | Floor |
| Campbell County | $541,287 | $832,750 | Floor |
| Cannon County | $1,029,250 | $1,029,250 | High-cost |
| Carroll County | $541,287 | $832,750 | Floor |
| Carter County | $541,287 | $832,750 | Floor |
| Cheatham County | $1,029,250 | $1,029,250 | High-cost |
| Chester County | $541,287 | $832,750 | Floor |
| Claiborne County | $541,287 | $832,750 | Floor |
| Clay County | $541,287 | $832,750 | Floor |
| Cocke County | $541,287 | $832,750 | Floor |
| Coffee County | $541,287 | $832,750 | Floor |
| Crockett County | $541,287 | $832,750 | Floor |
| Cumberland County | $541,287 | $832,750 | Floor |
| Davidson County | $1,029,250 | $1,029,250 | High-cost |
| Decatur County | $541,287 | $832,750 | Floor |
| DeKalb County | $541,287 | $832,750 | Floor |
| Dickson County | $1,029,250 | $1,029,250 | High-cost |
| Dyer County | $541,287 | $832,750 | Floor |
| Fayette County | $541,287 | $832,750 | Floor |
| Fentress County | $541,287 | $832,750 | Floor |
| Franklin County | $541,287 | $832,750 | Floor |
| Gibson County | $541,287 | $832,750 | Floor |
| Giles County | $541,287 | $832,750 | Floor |
| Grainger County | $541,287 | $832,750 | Floor |
| Greene County | $541,287 | $832,750 | Floor |
| Grundy County | $541,287 | $832,750 | Floor |
| Hamblen County | $541,287 | $832,750 | Floor |
| Hamilton County | $541,287 | $832,750 | Floor |
| Hancock County | $541,287 | $832,750 | Floor |
| Hardeman County | $541,287 | $832,750 | Floor |
| Hardin County | $541,287 | $832,750 | Floor |
| Hawkins County | $541,287 | $832,750 | Floor |
| Haywood County | $541,287 | $832,750 | Floor |
| Henderson County | $541,287 | $832,750 | Floor |
| Henry County | $541,287 | $832,750 | Floor |
| Hickman County | $1,029,250 | $1,029,250 | High-cost |
| Houston County | $541,287 | $832,750 | Floor |
| Humphreys County | $541,287 | $832,750 | Floor |
| Jackson County | $541,287 | $832,750 | Floor |
| Jefferson County | $541,287 | $832,750 | Floor |
| Johnson County | $541,287 | $832,750 | Floor |
| Knox County | $541,287 | $832,750 | Floor |
| Lake County | $541,287 | $832,750 | Floor |
| Lauderdale County | $541,287 | $832,750 | Floor |
| Lawrence County | $541,287 | $832,750 | Floor |
| Lewis County | $541,287 | $832,750 | Floor |
| Lincoln County | $541,287 | $832,750 | Floor |
| Loudon County | $541,287 | $832,750 | Floor |
| Macon County | $1,029,250 | $1,029,250 | High-cost |
| Madison County | $541,287 | $832,750 | Floor |
| Marion County | $541,287 | $832,750 | Floor |
| Marshall County | $541,287 | $832,750 | Floor |
| Maury County | $1,029,250 | $1,029,250 | High-cost |
| McMinn County | $541,287 | $832,750 | Floor |
| McNairy County | $541,287 | $832,750 | Floor |
| Meigs County | $541,287 | $832,750 | Floor |
| Monroe County | $541,287 | $832,750 | Floor |
| Montgomery County | $541,287 | $832,750 | Floor |
| Moore County | $541,287 | $832,750 | Floor |
| Morgan County | $541,287 | $832,750 | Floor |
| Obion County | $541,287 | $832,750 | Floor |
| Overton County | $541,287 | $832,750 | Floor |
| Perry County | $541,287 | $832,750 | Floor |
| Pickett County | $541,287 | $832,750 | Floor |
| Polk County | $541,287 | $832,750 | Floor |
| Putnam County | $541,287 | $832,750 | Floor |
| Rhea County | $541,287 | $832,750 | Floor |
| Roane County | $541,287 | $832,750 | Floor |
| Robertson County | $1,029,250 | $1,029,250 | High-cost |
| Rutherford County | $1,029,250 | $1,029,250 | High-cost |
| Scott County | $541,287 | $832,750 | Floor |
| Sequatchie County | $541,287 | $832,750 | Floor |
| Sevier County | $541,287 | $832,750 | Floor |
| Shelby County | $541,287 | $832,750 | Floor |
| Smith County | $1,029,250 | $1,029,250 | High-cost |
| Stewart County | $541,287 | $832,750 | Floor |
| Sullivan County | $541,287 | $832,750 | Floor |
| Sumner County | $1,029,250 | $1,029,250 | High-cost |
| Tipton County | $541,287 | $832,750 | Floor |
| Trousdale County | $1,029,250 | $1,029,250 | High-cost |
| Unicoi County | $541,287 | $832,750 | Floor |
| Union County | $541,287 | $832,750 | Floor |
| Van Buren County | $541,287 | $832,750 | Floor |
| Warren County | $541,287 | $832,750 | Floor |
| Washington County | $541,287 | $832,750 | Floor |
| Wayne County | $541,287 | $832,750 | Floor |
| Weakley County | $541,287 | $832,750 | Floor |
| White County | $541,287 | $832,750 | Floor |
| Williamson County | $1,029,250 | $1,029,250 | High-cost |
| Wilson County | $1,029,250 | $1,029,250 | High-cost |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
Browse by state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming