Limits for 2026 · updated 2026-10-29
Tennessee loan limits 2026
14 of 95 counties in Tennessee are high-cost areas with a conforming limit above the $832,750 baseline — the highest is $1,029,250 in 14 counties, including Cannon County, Cheatham County, Davidson County. Click a county for FHA limits, income limits and rents.
Conforming loan limit by county
Baseline ($832,750) 8110–25% above 14
All counties
| Cannon County | $1,029,250 | +4.1% | $1,029,250 | $895,000 | $1,798 |
| Cheatham County | $1,029,250 | +4.1% | $1,029,250 | $895,000 | $1,798 |
| Davidson County | $1,029,250 | +4.1% | $1,029,250 | $895,000 | $1,798 |
| Dickson County | $1,029,250 | +4.1% | $1,029,250 | $895,000 | $1,798 |
| Hickman County | $1,029,250 | +27.6% | $1,029,250 | $895,000 | $1,028 |
| Macon County | $1,029,250 | +4.1% | $1,029,250 | $895,000 | $995 |
| Maury County | $1,029,250 | +4.1% | $1,029,250 | $895,000 | $1,474 |
| Robertson County | $1,029,250 | +4.1% | $1,029,250 | $895,000 | $1,798 |
| Rutherford County | $1,029,250 | +4.1% | $1,029,250 | $895,000 | $1,798 |
| Smith County | $1,029,250 | +4.1% | $1,029,250 | $895,000 | $1,146 |
| Sumner County | $1,029,250 | +4.1% | $1,029,250 | $895,000 | $1,798 |
| Trousdale County | $1,029,250 | +4.1% | $1,029,250 | $895,000 | $1,798 |
| Williamson County | $1,029,250 | +4.1% | $1,029,250 | $895,000 | $1,798 |
| Wilson County | $1,029,250 | +4.1% | $1,029,250 | $895,000 | $1,798 |
| Anderson County | $832,750 | +3.3% | $541,287 | $383,000 | $1,475 |
| Bedford County | $832,750 | +3.3% | $541,287 | $290,000 | $1,112 |
| Benton County | $832,750 | +3.3% | $541,287 | $70,000 | $995 |
| Bledsoe County | $832,750 | +3.3% | $541,287 | $71,000 | $1,086 |
| Blount County | $832,750 | +3.3% | $541,287 | $383,000 | $1,475 |
| Bradley County | $832,750 | +3.3% | $541,287 | $280,000 | $1,270 |
| Campbell County | $832,750 | +3.3% | $541,287 | $383,000 | $995 |
| Carroll County | $832,750 | +3.3% | $541,287 | $112,000 | $995 |
| Carter County | $832,750 | +3.3% | $541,287 | $285,000 | $1,211 |
| Chester County | $832,750 | +3.3% | $541,287 | $209,000 | $1,375 |
| Claiborne County | $832,750 | +3.3% | $541,287 | $135,000 | $995 |
| Clay County | $832,750 | +3.3% | $541,287 | $75,000 | $995 |
| Cocke County | $832,750 | +3.3% | $541,287 | $97,000 | $995 |
| Coffee County | $832,750 | +3.3% | $541,287 | $256,000 | $1,088 |
| Crockett County | $832,750 | +3.3% | $541,287 | $209,000 | $1,093 |
| Cumberland County | $832,750 | +3.3% | $541,287 | $125,000 | $1,039 |
| Decatur County | $832,750 | +3.3% | $541,287 | $69,000 | $995 |
| Dekalb County | $832,750 | +3.3% | $541,287 | $201,000 | $1,016 |
| Dyer County | $832,750 | +3.3% | $541,287 | $135,000 | $995 |
| Fayette County | $832,750 | +3.3% | $541,287 | $339,000 | $1,301 |
| Fentress County | $832,750 | +3.3% | $541,287 | $130,000 | $995 |
| Franklin County | $832,750 | +3.3% | $541,287 | $238,000 | $1,060 |
| Gibson County | $832,750 | +3.3% | $541,287 | $209,000 | $995 |
| Giles County | $832,750 | +3.3% | $541,287 | $195,000 | $1,105 |
| Grainger County | $832,750 | +3.3% | $541,287 | $383,000 | $995 |
| Greene County | $832,750 | +3.3% | $541,287 | $180,000 | $995 |
| Grundy County | $832,750 | +3.3% | $541,287 | $93,000 | $995 |
| Hamblen County | $832,750 | +3.3% | $541,287 | $255,000 | $1,153 |
| Hamilton County | $832,750 | +3.3% | $541,287 | $350,000 | $1,340 |
| Hancock County | $832,750 | +3.3% | $541,287 | $68,000 | $995 |
| Hardeman County | $832,750 | +3.3% | $541,287 | $75,000 | $995 |
| Hardin County | $832,750 | +3.3% | $541,287 | $110,000 | $995 |
| Hawkins County | $832,750 | +3.3% | $541,287 | $254,000 | $1,091 |
| Haywood County | $832,750 | +3.3% | $541,287 | $150,000 | $995 |
| Henderson County | $832,750 | +3.3% | $541,287 | $151,000 | $995 |
| Henry County | $832,750 | +3.3% | $541,287 | $150,000 | $1,011 |
| Houston County | $832,750 | +3.3% | $541,287 | $138,000 | $995 |
| Humphreys County | $832,750 | +3.3% | $541,287 | $157,000 | $1,055 |
| Jackson County | $832,750 | +3.3% | $541,287 | $270,000 | $995 |
| Jefferson County | $832,750 | +3.3% | $541,287 | $255,000 | $1,153 |
| Johnson County | $832,750 | +3.3% | $541,287 | $125,000 | $995 |
| Knox County | $832,750 | +3.3% | $541,287 | $383,000 | $1,475 |
| Lake County | $832,750 | +3.3% | $541,287 | $80,000 | $995 |
| Lauderdale County | $832,750 | +3.3% | $541,287 | $87,000 | $995 |
| Lawrence County | $832,750 | +3.3% | $541,287 | $180,000 | $1,008 |
| Lewis County | $832,750 | +3.3% | $541,287 | $150,000 | $995 |
| Lincoln County | $832,750 | +3.3% | $541,287 | $199,000 | $995 |
| Loudon County | $832,750 | +3.3% | $541,287 | $383,000 | $1,475 |
| Madison County | $832,750 | +3.3% | $541,287 | $209,000 | $1,375 |
| Marion County | $832,750 | +3.3% | $541,287 | $350,000 | $1,340 |
| Marshall County | $832,750 | +3.3% | $541,287 | $275,000 | $1,106 |
| McMinn County | $832,750 | +3.3% | $541,287 | $210,000 | $995 |
| McNairy County | $832,750 | +3.3% | $541,287 | $120,000 | $995 |
| Meigs County | $832,750 | +3.3% | $541,287 | $210,000 | $1,045 |
| Monroe County | $832,750 | +3.3% | $541,287 | $196,000 | $995 |
| Montgomery County | $832,750 | +3.3% | $541,287 | $305,000 | $1,307 |
| Moore County | $832,750 | +3.3% | $541,287 | $256,000 | $995 |
| Morgan County | $832,750 | +3.3% | $541,287 | $383,000 | $995 |
| Obion County | $832,750 | +3.3% | $541,287 | $113,000 | $995 |
| Overton County | $832,750 | +3.3% | $541,287 | $270,000 | $995 |
| Perry County | $832,750 | +3.3% | $541,287 | $71,000 | $995 |
| Pickett County | $832,750 | +3.3% | $541,287 | $120,000 | $995 |
| Polk County | $832,750 | +3.3% | $541,287 | $280,000 | $1,270 |
| Putnam County | $832,750 | +3.3% | $541,287 | $270,000 | $1,102 |
| Rhea County | $832,750 | +3.3% | $541,287 | $200,000 | $1,059 |
| Roane County | $832,750 | +3.3% | $541,287 | $383,000 | $1,048 |
| Scott County | $832,750 | +3.3% | $541,287 | $90,000 | $995 |
| Sequatchie County | $832,750 | +3.3% | $541,287 | $350,000 | $1,340 |
| Sevier County | $832,750 | +3.3% | $541,287 | $380,000 | $1,213 |
| Shelby County | $832,750 | +3.3% | $541,287 | $339,000 | $1,301 |
| Stewart County | $832,750 | +3.3% | $541,287 | $305,000 | $995 |
| Sullivan County | $832,750 | +3.3% | $541,287 | $254,000 | $1,091 |
| Tipton County | $832,750 | +3.3% | $541,287 | $339,000 | $1,301 |
| Unicoi County | $832,750 | +3.3% | $541,287 | $285,000 | $1,211 |
| Union County | $832,750 | +3.3% | $541,287 | $383,000 | $1,475 |
| Van Buren County | $832,750 | +3.3% | $541,287 | $60,000 | $995 |
| Warren County | $832,750 | +3.3% | $541,287 | $215,000 | $1,051 |
| Washington County | $832,750 | +3.3% | $541,287 | $285,000 | $1,211 |
| Wayne County | $832,750 | +3.3% | $541,287 | $63,000 | $995 |
| Weakley County | $832,750 | +3.3% | $541,287 | $130,000 | $995 |
| White County | $832,750 | +3.3% | $541,287 | $270,000 | $1,021 |
Click a column to sort. 2-BR rent = HUD fair market rent FY2027.
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 Tennessee for 2026?
$832,750 in most counties; 14 high-cost counties have higher limits, up to $1,029,250 in Cannon County.
What is the FHA loan limit in Tennessee?
From $541,287 to $1,029,250 for a single-family home in 2026, depending on the county.