Hickman County, Tennessee loan limits 2026
FIPS 47081 · 6 ZIP codes, e.g. 37025, 37033, 37098, 37137, 37140, 38454
In Hickman County the 2026 conforming loan limit is $1,029,250 for a single-family home — a high-cost area, 23.6% above the national baseline. The FHA limit is $1,029,250. Anything above $1,029,250 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Hickman County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $1,029,250 | $1,029,250 | +27.6% |
| 2 units | $1,317,650 | $1,317,650 | +27.6% |
| 3 units | $1,592,700 | $1,592,700 | +27.6% |
| 4 units | $1,979,350 | $1,979,350 | +27.6% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages.
HUD income limits FY2026
Area median family income: $78,900 · Hickman County, TN HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $44,200 | $50,500 | $56,800 | $63,100 | $68,150 | $73,200 | $78,250 | $83,300 |
| Very low income (50%) | $27,650 | $31,600 | $35,550 | $39,450 | $42,650 | $45,800 | $48,950 | $52,100 |
| Extremely low income (30%) | $16,600 | $21,640 | $27,320 | $33,000 | $38,680 | $44,360 | $48,950 | $52,100 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $781/mo | $827 | -5.6% |
| 1 bedroom | $786/mo | $832 | -5.5% |
| 2 bedrooms | $1,028/mo | $992 | +3.6% |
| 3 bedrooms | $1,312/mo | $1,277 | +2.7% |
| 4 bedrooms | $1,669/mo | $1,664 | +0.3% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Hickman County, TN HUD Metro FMR Area.
Other counties in Tennessee
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Hickman County, TN for 2026?
$1,029,250 for a one-unit property ($1,317,650 for 2 units, $1,592,700 for 3, $1,979,350 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Hickman County?
$1,029,250 for a single-family home in 2026 (HUD), up to $1,979,350 for a four-unit property.
What counts as a jumbo loan in Hickman County?
A mortgage above $1,029,250 for a single-family home is a jumbo (non-conforming) loan in Hickman County in 2026.
What are the HUD income limits in Hickman County?
For a family of four (FY2026): low income $63,100, very low income $39,450, extremely low income $33,000; area median family income $78,900.
What is the fair market rent in Hickman County?
$1,028 a month for a two-bedroom unit in FY2027 (HUD), $786 for one bedroom.