State hub
2026 Tennessee loan limits by county
Tennessee has 95 counties in the 2026 FHFA list. The highest one-unit conforming limit is $1,029,250 in Wilson County; the state median is $832,750. 14 of 95 are above the $832,750 national baseline. 81 sit at the 2026 FHA floor of $541,287.
- 95Counties listed
- $1,029,250Highest 1-unit conformingWilson County
- $832,750Median 1-unit conforming
- 81At FHA floorof 95
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Anderson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bedford County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Benton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bledsoe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Blount County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bradley County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Campbell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cannon County | $1,029,250 | +$40,250 (+4.1%) | $1,029,250 | $1,979,350 |
| Carroll County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Carter County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cheatham County | $1,029,250 | +$40,250 (+4.1%) | $1,029,250 | $1,979,350 |
| Chester County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Claiborne County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clay County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cocke County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Coffee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Crockett County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cumberland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Davidson County | $1,029,250 | +$40,250 (+4.1%) | $1,029,250 | $1,979,350 |
| DeKalb County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Decatur County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dickson County | $1,029,250 | +$40,250 (+4.1%) | $1,029,250 | $1,979,350 |
| Dyer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fayette County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fentress County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Franklin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gibson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Giles County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grainger County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Greene County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grundy County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hamblen County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hamilton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hancock County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hardeman County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hardin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hawkins County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Haywood County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Henderson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Henry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hickman County | $1,029,250 | +$222,750 (+27.6%) | $1,029,250 | $1,979,350 |
| Houston County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Humphreys County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jackson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jefferson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Johnson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Knox County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lake County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lauderdale County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lawrence County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lewis County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lincoln County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Loudon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Macon County | $1,029,250 | +$40,250 (+4.1%) | $1,029,250 | $1,979,350 |
| Madison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marion County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marshall County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Maury County | $1,029,250 | +$40,250 (+4.1%) | $1,029,250 | $1,979,350 |
| McMinn County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McNairy County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Meigs County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Monroe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Montgomery County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Moore County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Morgan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Obion County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Overton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Perry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pickett County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Polk County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Putnam County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rhea County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Roane County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Robertson County | $1,029,250 | +$40,250 (+4.1%) | $1,029,250 | $1,979,350 |
| Rutherford County | $1,029,250 | +$40,250 (+4.1%) | $1,029,250 | $1,979,350 |
| Scott County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sequatchie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sevier County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Shelby County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Smith County | $1,029,250 | +$40,250 (+4.1%) | $1,029,250 | $1,979,350 |
| Stewart County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sullivan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sumner County | $1,029,250 | +$40,250 (+4.1%) | $1,029,250 | $1,979,350 |
| Tipton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Trousdale County | $1,029,250 | +$40,250 (+4.1%) | $1,029,250 | $1,979,350 |
| Unicoi County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Union County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Van Buren County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Warren County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wayne County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Weakley County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| White County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Williamson County | $1,029,250 | +$40,250 (+4.1%) | $1,029,250 | $1,979,350 |
| Wilson County | $1,029,250 | +$40,250 (+4.1%) | $1,029,250 | $1,979,350 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.