Clay County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 6.1 times the county's median home value of $136,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $39,972 (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) | $136,400 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 6.11× |
| Median household income | $39,972 |
| Median home value ÷ income | 3.4× |
| Population | 7,670 |
| Median property tax paid (owners) | $769 |
| Effective property tax rate (approx.) | 0.56% |
| Owner-occupied homes | 74.4% |
| Home value rank in Tennessee | 88 of 95 counties |
| Neighbor: Clinton County, KY | limit $832,750; median home $122,200 |
| Neighbor: Cumberland County, KY | limit $832,750; median home $141,100 |
| Neighbor: Monroe County, KY | limit $832,750; median home $115,900 |
| Neighbor: Jackson County, TN | limit $832,750; median home $155,500 |
| Neighbor: Macon County, TN | limit $1,029,250; median home $225,700 |
| Neighbor: Overton County, TN | limit $832,750; median home $173,200 |
| Neighbor: Pickett County, TN | limit $832,750; median home $178,500 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Clay County's median home value is 52% below the state median of $286,700 (rank 88 of 95). Among its 7 neighboring counties, Macon County has the highest median home value ($225,700) and Monroe County the lowest ($115,900); 1 neighbor(s) have a different loan limit. Owners pay a median $769 a year in property tax, an effective rate of about 0.56% 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: Clay County, NC
- 2026 conforming loan limit: Clay County, NE
- 2026 conforming loan limit: Clay County, SD
- 2026 conforming loan limit: Clay County, TX
- 2026 conforming loan limit: Clay County, WV
- 2026 conforming loan limit: Clayton County, GA
- 2026 conforming loan limit: Clayton County, IA
- 2026 conforming loan limit: Clear Creek County, CO
Last updated 2026-10-16. Data only, not financial or tax advice.