Tennessee loan limits 2026 by county
In 2026, 14 of the 95 counties in Tennessee have a conforming loan limit above the $832,750 national baseline; the highest is $1,029,250 for a one-unit home in 14 counties. FHA limits run from $541,287 to $1,029,250: 14 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Tennessee county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Anderson County | $832,750 | $541,287 | Knoxville, TN |
| Bedford County | $832,750 | $541,287 | Shelbyville, TN |
| Benton County | $832,750 | $541,287 | Non-Metro |
| Bledsoe County | $832,750 | $541,287 | Non-Metro |
| Blount County | $832,750 | $541,287 | Knoxville, TN |
| Bradley County | $832,750 | $541,287 | Cleveland, TN |
| Campbell County | $832,750 | $541,287 | Knoxville, TN |
| Cannon County | $1,029,250 | $1,029,250 | Nashville-Davidson--Murfreesboro--Franklin, TN |
| Carroll County | $832,750 | $541,287 | Non-Metro |
| Carter County | $832,750 | $541,287 | Johnson City, TN |
| Cheatham County | $1,029,250 | $1,029,250 | Nashville-Davidson--Murfreesboro--Franklin, TN |
| Chester County | $832,750 | $541,287 | Jackson, TN |
| Claiborne County | $832,750 | $541,287 | Non-Metro |
| Clay County | $832,750 | $541,287 | Non-Metro |
| Cocke County | $832,750 | $541,287 | Newport, TN |
| Coffee County | $832,750 | $541,287 | Tullahoma-Manchester, TN |
| Crockett County | $832,750 | $541,287 | Jackson, TN |
| Cumberland County | $832,750 | $541,287 | Crossville, TN |
| Davidson County | $1,029,250 | $1,029,250 | Nashville-Davidson--Murfreesboro--Franklin, TN |
| DeKalb County | $832,750 | $541,287 | Non-Metro |
| Decatur County | $832,750 | $541,287 | Non-Metro |
| Dickson County | $1,029,250 | $1,029,250 | Nashville-Davidson--Murfreesboro--Franklin, TN |
| Dyer County | $832,750 | $541,287 | Dyersburg, TN |
| Fayette County | $832,750 | $541,287 | Memphis, TN-MS-AR |
| Fentress County | $832,750 | $541,287 | Non-Metro |
| Franklin County | $832,750 | $541,287 | Winchester, TN |
| Gibson County | $832,750 | $541,287 | Jackson, TN |
| Giles County | $832,750 | $541,287 | Non-Metro |
| Grainger County | $832,750 | $541,287 | Knoxville, TN |
| Greene County | $832,750 | $541,287 | Greeneville, TN |
| Grundy County | $832,750 | $541,287 | Non-Metro |
| Hamblen County | $832,750 | $541,287 | Morristown, TN |
| Hamilton County | $832,750 | $541,287 | Chattanooga, TN-GA |
| Hancock County | $832,750 | $541,287 | Non-Metro |
| Hardeman County | $832,750 | $541,287 | Non-Metro |
| Hardin County | $832,750 | $541,287 | Non-Metro |
| Hawkins County | $832,750 | $541,287 | Kingsport-Bristol, TN-VA |
| Haywood County | $832,750 | $541,287 | Non-Metro |
| Henderson County | $832,750 | $541,287 | Non-Metro |
| Henry County | $832,750 | $541,287 | Paris, TN |
| Hickman County | $1,029,250 | $1,029,250 | Nashville-Davidson--Murfreesboro--Franklin, TN |
| Houston County | $832,750 | $541,287 | Non-Metro |
| Humphreys County | $832,750 | $541,287 | Non-Metro |
| Jackson County | $832,750 | $541,287 | Cookeville, TN |
| Jefferson County | $832,750 | $541,287 | Morristown, TN |
| Johnson County | $832,750 | $541,287 | Non-Metro |
| Knox County | $832,750 | $541,287 | Knoxville, TN |
| Lake County | $832,750 | $541,287 | Non-Metro |
| Lauderdale County | $832,750 | $541,287 | Non-Metro |
| Lawrence County | $832,750 | $541,287 | Lawrenceburg, TN |
| Lewis County | $832,750 | $541,287 | Non-Metro |
| Lincoln County | $832,750 | $541,287 | Fayetteville, TN |
| Loudon County | $832,750 | $541,287 | Knoxville, TN |
| Macon County | $1,029,250 | $1,029,250 | Nashville-Davidson--Murfreesboro--Franklin, TN |
| Madison County | $832,750 | $541,287 | Jackson, TN |
| Marion County | $832,750 | $541,287 | Chattanooga, TN-GA |
| Marshall County | $832,750 | $541,287 | Lewisburg, TN |
| Maury County | $1,029,250 | $1,029,250 | Nashville-Davidson--Murfreesboro--Franklin, TN |
| McMinn County | $832,750 | $541,287 | Athens, TN |
| McNairy County | $832,750 | $541,287 | Non-Metro |
| Meigs County | $832,750 | $541,287 | Athens, TN |
| Monroe County | $832,750 | $541,287 | Non-Metro |
| Montgomery County | $832,750 | $541,287 | Clarksville, TN-KY |
| Moore County | $832,750 | $541,287 | Tullahoma-Manchester, TN |
| Morgan County | $832,750 | $541,287 | Knoxville, TN |
| Obion County | $832,750 | $541,287 | Union City, TN |
| Overton County | $832,750 | $541,287 | Cookeville, TN |
| Perry County | $832,750 | $541,287 | Non-Metro |
| Pickett County | $832,750 | $541,287 | Non-Metro |
| Polk County | $832,750 | $541,287 | Cleveland, TN |
| Putnam County | $832,750 | $541,287 | Cookeville, TN |
| Rhea County | $832,750 | $541,287 | Non-Metro |
| Roane County | $832,750 | $541,287 | Knoxville, TN |
| Robertson County | $1,029,250 | $1,029,250 | Nashville-Davidson--Murfreesboro--Franklin, TN |
| Rutherford County | $1,029,250 | $1,029,250 | Nashville-Davidson--Murfreesboro--Franklin, TN |
| Scott County | $832,750 | $541,287 | Non-Metro |
| Sequatchie County | $832,750 | $541,287 | Chattanooga, TN-GA |
| Sevier County | $832,750 | $541,287 | Sevierville, TN |
| Shelby County | $832,750 | $541,287 | Memphis, TN-MS-AR |
| Smith County | $1,029,250 | $1,029,250 | Nashville-Davidson--Murfreesboro--Franklin, TN |
| Stewart County | $832,750 | $541,287 | Clarksville, TN-KY |
| Sullivan County | $832,750 | $541,287 | Kingsport-Bristol, TN-VA |
| Sumner County | $1,029,250 | $1,029,250 | Nashville-Davidson--Murfreesboro--Franklin, TN |
| Tipton County | $832,750 | $541,287 | Memphis, TN-MS-AR |
| Trousdale County | $1,029,250 | $1,029,250 | Nashville-Davidson--Murfreesboro--Franklin, TN |
| Unicoi County | $832,750 | $541,287 | Johnson City, TN |
| Union County | $832,750 | $541,287 | Knoxville, TN |
| Van Buren County | $832,750 | $541,287 | Non-Metro |
| Warren County | $832,750 | $541,287 | Mcminnville, TN |
| Washington County | $832,750 | $541,287 | Johnson City, TN |
| Wayne County | $832,750 | $541,287 | Non-Metro |
| Weakley County | $832,750 | $541,287 | Martin, TN |
| White County | $832,750 | $541,287 | Cookeville, TN |
| Williamson County | $1,029,250 | $1,029,250 | Nashville-Davidson--Murfreesboro--Franklin, TN |
| Wilson County | $1,029,250 | $1,029,250 | Nashville-Davidson--Murfreesboro--Franklin, TN |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Tennessee
Cannon County ($1,029,250), Cheatham County ($1,029,250), Davidson County ($1,029,250), Dickson County ($1,029,250) and Hickman County ($1,029,250). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Tennessee
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Tennessee fair market rentsHUD Fair Market Rents for every Tennessee county, studios to 4 bedrooms.
- Tennessee property tax ratesEffective property tax rate for every Tennessee county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Tennessee loan limits
What are the FHA loan limits in Tennessee for 2026?
$541,287 to $1,029,250 for a one-unit home, depending on the county. 14 counties are above the national floor of $541,287, led by Cannon County ($1,029,250), Cheatham County ($1,029,250) and Davidson County ($1,029,250); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Tennessee for 2026?
$832,750 to $1,029,250 for a one-unit home, by county; 14 counties are above the $832,750 baseline (FHFA, effective January 1, 2026).
What is the VA loan limit in Tennessee?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 to $1,029,250 in Tennessee for 2026: 25 percent of that limit minus the entitlement already used.
Which Tennessee counties have the highest loan limits?
Conforming: Cannon County at $1,029,250. FHA: Cannon County at $1,029,250. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/tennessee. Not lending advice.