2026 conforming loan limits
2026 conforming loan limits in Tennessee
Tennessee has 95 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for Tennessee is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $1,029,250.
Baseline
81
Special statutory baseline
0
High-cost area
14
Every county/equivalent in Tennessee
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Anderson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bedford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Benton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bledsoe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Blount County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bradley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Campbell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cannon County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 | High-cost area |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Carter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cheatham County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 | High-cost area |
| Chester County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Claiborne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cocke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Coffee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Crockett County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cumberland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Davidson County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 | High-cost area |
| Decatur County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dekalb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dickson County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 | High-cost area |
| Dyer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Fayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Fentress County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Gibson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Giles County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Grainger County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Grundy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hamblen County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hamilton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hancock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hardeman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hardin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hawkins County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Haywood County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Henderson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Henry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hickman County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 | High-cost area |
| Houston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Humphreys County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Johnson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Knox County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lauderdale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lawrence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lewis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Loudon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Macon County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 | High-cost area |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Maury County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 | High-cost area |
| Mcminn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mcnairy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Meigs County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Moore County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Obion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Overton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Perry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pickett County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Polk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Putnam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Rhea County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Roane County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Robertson County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 | High-cost area |
| Rutherford County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 | High-cost area |
| Scott County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sequatchie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sevier County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Shelby County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Smith County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 | High-cost area |
| Stewart County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sullivan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sumner County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 | High-cost area |
| Tipton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Trousdale County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 | High-cost area |
| Unicoi County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Van Buren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Weakley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| White County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Williamson County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 | High-cost area |
| Wilson County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 | High-cost area |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to Tennessee (TN).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for Tennessee: 95. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
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