Carroll County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 5.8 times the county's median home value of $142,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $51,787 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $142,400 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 5.85× |
| Median household income | $51,787 |
| Median home value ÷ income | 2.7× |
| Population | 28,641 |
| Median property tax paid (owners) | $821 |
| Effective property tax rate (approx.) | 0.58% |
| Owner-occupied homes | 74.5% |
| Home value rank in Tennessee | 86 of 95 counties |
| Neighbor: Benton County, TN | limit $832,750; median home $153,600 |
| Neighbor: Decatur County, TN | limit $832,750; median home $139,600 |
| Neighbor: Gibson County, TN | limit $832,750; median home $156,900 |
| Neighbor: Henderson County, TN | limit $832,750; median home $164,800 |
| Neighbor: Henry County, TN | limit $832,750; median home $160,200 |
| Neighbor: Madison County, TN | limit $832,750; median home $211,800 |
| Neighbor: Weakley County, TN | limit $832,750; median home $151,200 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Carroll County's median home value is 50% below the state median of $286,700 (rank 86 of 95). Among its 7 neighboring counties, Madison County has the highest median home value ($211,800) and Decatur County the lowest ($139,600); all share the same loan limit. Owners pay a median $821 a year in property tax, an effective rate of about 0.58% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Carroll County, MS
- 2026 conforming loan limit: Carroll County, NH
- 2026 conforming loan limit: Carroll County, OH
- 2026 conforming loan limit: Carroll County, VA
- 2026 conforming loan limit: Carson City, NV
- 2026 conforming loan limit: Carson County, TX
- 2026 conforming loan limit: Carter County, KY
- 2026 conforming loan limit: Carter County, MO
Last updated 2026-10-16. Data only, not financial or tax advice.