Wilson County, Tennessee loan limits 2026
FIPS 47189 · 9 ZIP codes, e.g. 37016, 37071, 37087, 37088, 37090, 37121 · metro area (CBSA) 34980
In Wilson 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 Wilson 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 | +4.1% |
| 2 units | $1,317,650 | $1,317,650 | +4.1% |
| 3 units | $1,592,700 | $1,592,700 | +4.1% |
| 4 units | $1,979,350 | $1,979,350 | +4.1% |
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. Wilson County is in metro area CBSA 34980; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $116,100 · Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR Area
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $65,050 | $74,350 | $83,650 | $92,900 | $100,350 | $107,800 | $115,200 | $122,650 |
| Very low income (50%) | $40,650 | $46,450 | $52,250 | $58,050 | $62,700 | $67,350 | $72,000 | $76,650 |
| Extremely low income (30%) | $24,400 | $27,900 | $31,400 | $34,850 | $38,680 | $44,360 | $50,040 | $55,720 |
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 | $1,585/mo | $1,507 | +5.2% |
| 1 bedroom | $1,650/mo | $1,578 | +4.6% |
| 2 bedrooms | $1,798/mo | $1,730 | +3.9% |
| 3 bedrooms | $2,309/mo | $2,211 | +4.4% |
| 4 bedrooms | $2,799/mo | $2,696 | +3.8% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR Area.
Same metro area
Counties in CBSA 34980 share the same loan limits.
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 Wilson 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 $989,000 in 2025.
What is the FHA loan limit in Wilson 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 Wilson County?
A mortgage above $1,029,250 for a single-family home is a jumbo (non-conforming) loan in Wilson County in 2026.
What are the HUD income limits in Wilson County?
For a family of four (FY2026): low income $92,900, very low income $58,050, extremely low income $34,850; area median family income $116,100.
What is the fair market rent in Wilson County?
$1,798 a month for a two-bedroom unit in FY2027 (HUD), $1,650 for one bedroom.