Carter County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 5.0 times the county's median home value of $168,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $50,135 (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) | $168,200 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 4.95× |
| Median household income | $50,135 |
| Median home value ÷ income | 3.4× |
| Population | 56,712 |
| Median property tax paid (owners) | $864 |
| Effective property tax rate (approx.) | 0.51% |
| Owner-occupied homes | 75.2% |
| Home value rank in Tennessee | 66 of 95 counties |
| Neighbor: Avery County, NC | limit $832,750; median home $265,800 |
| Neighbor: Mitchell County, NC | limit $832,750; median home $220,100 |
| Neighbor: Johnson County, TN | limit $832,750; median home $178,600 |
| Neighbor: Sullivan County, TN | limit $832,750; median home $213,300 |
| Neighbor: Unicoi County, TN | limit $832,750; median home $189,600 |
| Neighbor: Washington County, TN | limit $832,750; median home $249,000 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Carter County's median home value is 41% below the state median of $286,700 (rank 66 of 95). Among its 6 neighboring counties, Avery County has the highest median home value ($265,800) and Johnson County the lowest ($178,600); all share the same loan limit. Owners pay a median $864 a year in property tax, an effective rate of about 0.51% 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: Carter County, MO
- 2026 conforming loan limit: Carter County, MT
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- 2026 conforming loan limit: Casey County, KY
- 2026 conforming loan limit: Cass County, IA
Last updated 2026-10-16. Data only, not financial or tax advice.