2026 conforming loan limits · Tennessee
Tennessee has 2 distinct one-unit conforming limits, from $832,750 to $1,029,250. 14 of 95 counties sit above the $832,750 baseline that applies here.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Tennessee at a glance
| Metric | Value |
|---|---|
| Counties | 95 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $1,029,250 |
| Distinct one-unit limits | 2 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 14 of 95 (14.7%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
How Tennessee splits
| FHFA position | Counties | Share | Lowest | Highest |
|---|---|---|---|---|
| At the baseline | 81 | 85.3% | $832,750 | $832,750 |
| Above baseline, below ceiling | 14 | 14.7% | $1,029,250 | $1,029,250 |
Highest limits in Tennessee: Cannon County ($1,029,250), Cheatham County ($1,029,250), Davidson County ($1,029,250), Dickson County ($1,029,250), Hickman County ($1,029,250).
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Anderson County | KNOXVILLE, TN | $832,750 | $541,287 | $291,463 |
| Bedford County | SHELBYVILLE, TN | $832,750 | $541,287 | $291,463 |
| Benton County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Bledsoe County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Blount County | KNOXVILLE, TN | $832,750 | $541,287 | $291,463 |
| Bradley County | CLEVELAND, TN | $832,750 | $541,287 | $291,463 |
| Campbell County | KNOXVILLE, TN | $832,750 | $541,287 | $291,463 |
| Cannon County | NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | $1,029,250 | $1,029,250 | $0 |
| Carroll County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Carter County | JOHNSON CITY, TN | $832,750 | $541,287 | $291,463 |
| Cheatham County | NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | $1,029,250 | $1,029,250 | $0 |
| Chester County | JACKSON, TN | $832,750 | $541,287 | $291,463 |
| Claiborne County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clay County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cocke County | NEWPORT, TN | $832,750 | $541,287 | $291,463 |
| Coffee County | TULLAHOMA-MANCHESTER, TN | $832,750 | $541,287 | $291,463 |
| Crockett County | JACKSON, TN | $832,750 | $541,287 | $291,463 |
| Cumberland County | CROSSVILLE, TN | $832,750 | $541,287 | $291,463 |
| Davidson County | NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | $1,029,250 | $1,029,250 | $0 |
| Decatur County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Dekalb County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Dickson County | NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | $1,029,250 | $1,029,250 | $0 |
| Dyer County | DYERSBURG, TN | $832,750 | $541,287 | $291,463 |
| Fayette County | MEMPHIS, TN-MS-AR | $832,750 | $541,287 | $291,463 |
| Fentress County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Franklin County | WINCHESTER, TN | $832,750 | $541,287 | $291,463 |
| Gibson County | JACKSON, TN | $832,750 | $541,287 | $291,463 |
| Giles County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Grainger County | KNOXVILLE, TN | $832,750 | $541,287 | $291,463 |
| Greene County | GREENEVILLE, TN | $832,750 | $541,287 | $291,463 |
| Grundy County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hamblen County | MORRISTOWN, TN | $832,750 | $541,287 | $291,463 |
| Hamilton County | CHATTANOOGA, TN-GA | $832,750 | $541,287 | $291,463 |
| Hancock County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hardeman County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hardin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hawkins County | KINGSPORT-BRISTOL, TN-VA | $832,750 | $541,287 | $291,463 |
| Haywood County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Henderson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Henry County | PARIS, TN | $832,750 | $541,287 | $291,463 |
| Hickman County | NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | $1,029,250 | $1,029,250 | $0 |
| Houston County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Humphreys County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jackson County | COOKEVILLE, TN | $832,750 | $541,287 | $291,463 |
| Jefferson County | MORRISTOWN, TN | $832,750 | $541,287 | $291,463 |
| Johnson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Knox County | KNOXVILLE, TN | $832,750 | $541,287 | $291,463 |
| Lake County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lauderdale County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lawrence County | LAWRENCEBURG, TN | $832,750 | $541,287 | $291,463 |
| Lewis County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lincoln County | FAYETTEVILLE, TN | $832,750 | $541,287 | $291,463 |
| Loudon County | KNOXVILLE, TN | $832,750 | $541,287 | $291,463 |
| Mcminn County | ATHENS, TN | $832,750 | $541,287 | $291,463 |
| Mcnairy County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Macon County | NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | $1,029,250 | $1,029,250 | $0 |
| Madison County | JACKSON, TN | $832,750 | $541,287 | $291,463 |
| Marion County | CHATTANOOGA, TN-GA | $832,750 | $541,287 | $291,463 |
| Marshall County | LEWISBURG, TN | $832,750 | $541,287 | $291,463 |
| Maury County | NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | $1,029,250 | $1,029,250 | $0 |
| Meigs County | ATHENS, TN | $832,750 | $541,287 | $291,463 |
| Monroe County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Montgomery County | CLARKSVILLE, TN-KY | $832,750 | $541,287 | $291,463 |
| Moore County | TULLAHOMA-MANCHESTER, TN | $832,750 | $541,287 | $291,463 |
| Morgan County | KNOXVILLE, TN | $832,750 | $541,287 | $291,463 |
| Obion County | UNION CITY, TN | $832,750 | $541,287 | $291,463 |
| Overton County | COOKEVILLE, TN | $832,750 | $541,287 | $291,463 |
| Perry County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pickett County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Polk County | CLEVELAND, TN | $832,750 | $541,287 | $291,463 |
| Putnam County | COOKEVILLE, TN | $832,750 | $541,287 | $291,463 |
| Rhea County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Roane County | KNOXVILLE, TN | $832,750 | $541,287 | $291,463 |
| Robertson County | NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | $1,029,250 | $1,029,250 | $0 |
| Rutherford County | NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | $1,029,250 | $1,029,250 | $0 |
| Scott County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Sequatchie County | CHATTANOOGA, TN-GA | $832,750 | $541,287 | $291,463 |
| Sevier County | SEVIERVILLE, TN | $832,750 | $541,287 | $291,463 |
| Shelby County | MEMPHIS, TN-MS-AR | $832,750 | $541,287 | $291,463 |
| Smith County | NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | $1,029,250 | $1,029,250 | $0 |
| Stewart County | CLARKSVILLE, TN-KY | $832,750 | $541,287 | $291,463 |
| Sullivan County | KINGSPORT-BRISTOL, TN-VA | $832,750 | $541,287 | $291,463 |
| Sumner County | NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | $1,029,250 | $1,029,250 | $0 |
| Tipton County | MEMPHIS, TN-MS-AR | $832,750 | $541,287 | $291,463 |
| Trousdale County | NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | $1,029,250 | $1,029,250 | $0 |
| Unicoi County | JOHNSON CITY, TN | $832,750 | $541,287 | $291,463 |
| Union County | KNOXVILLE, TN | $832,750 | $541,287 | $291,463 |
| Van Buren County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Warren County | MCMINNVILLE, TN | $832,750 | $541,287 | $291,463 |
| Washington County | JOHNSON CITY, TN | $832,750 | $541,287 | $291,463 |
| Wayne County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Weakley County | MARTIN, TN | $832,750 | $541,287 | $291,463 |
| White County | COOKEVILLE, TN | $832,750 | $541,287 | $291,463 |
| Williamson County | NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | $1,029,250 | $1,029,250 | $0 |
| Wilson County | NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | $1,029,250 | $1,029,250 | $0 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Anderson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bedford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Benton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bledsoe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Blount County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bradley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Campbell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cannon County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cheatham County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 |
| Chester County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Claiborne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cocke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coffee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crockett County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cumberland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Davidson County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 |
| Decatur County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dekalb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dickson County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 |
| Dyer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fentress County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gibson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Giles County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grainger County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grundy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hamblen County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hamilton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hancock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hardeman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hardin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hawkins County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Haywood County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Henderson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Henry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hickman County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 |
| Houston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Humphreys County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Johnson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Knox County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lauderdale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lawrence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lewis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Loudon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mcminn County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mcnairy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Macon County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Maury County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 |
| Meigs County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Moore County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Obion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Overton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Perry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pickett County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Polk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Putnam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rhea County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Roane County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Robertson County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 |
| Rutherford County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 |
| Scott County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sequatchie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sevier County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Shelby County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Smith County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 |
| Stewart County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sullivan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sumner County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 |
| Tipton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Trousdale County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 |
| Unicoi County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Van Buren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Weakley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| White County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Williamson County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 |
| Wilson County | $1,029,250 | $1,317,650 | $1,592,700 | $1,979,350 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)