Cheatham County, Tennessee has a 2026 one-unit conforming loan limit of $1,029,250, which is 3.0 times the county's median home value of $338,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $89,852 (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) | $1,029,250 |
| 2-unit limit | $1,317,650 |
| 3-unit limit | $1,592,700 |
| 4-unit limit | $1,979,350 |
| Median home value (ACS 2020–24) | $338,700 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 3.04× |
| Median household income | $89,852 |
| Median home value ÷ income | 3.8× |
| Population | 41,829 |
| Median property tax paid (owners) | $1,582 |
| Effective property tax rate (approx.) | 0.47% |
| Owner-occupied homes | 81.5% |
| Home value rank in Tennessee | 9 of 95 counties |
| Neighbor: Davidson County, TN | limit $1,029,250; median home $417,400 |
| Neighbor: Dickson County, TN | limit $1,029,250; median home $306,400 |
| Neighbor: Montgomery County, TN | limit $832,750; median home $280,200 |
| Neighbor: Robertson County, TN | limit $1,029,250; median home $335,000 |
| Neighbor: Williamson County, TN | limit $1,029,250; median home $751,900 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Cheatham County's median home value is 18% above the state median of $286,700 (rank 9 of 95). Among its 5 neighboring counties, Williamson County has the highest median home value ($751,900) and Montgomery County the lowest ($280,200); 1 neighbor(s) have a different loan limit. Owners pay a median $1,582 a year in property tax, an effective rate of about 0.47% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.