Cumberland County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 3.3 times the county's median home value of $250,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $60,375 (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) | $250,500 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 3.32× |
| Median household income | $60,375 |
| Median home value ÷ income | 4.1× |
| Population | 63,553 |
| Median property tax paid (owners) | $730 |
| Effective property tax rate (approx.) | 0.29% |
| Owner-occupied homes | 80.2% |
| Home value rank in Tennessee | 24 of 95 counties |
| Neighbor: Bledsoe County, TN | limit $832,750; median home $189,400 |
| Neighbor: Fentress County, TN | limit $832,750; median home $168,200 |
| Neighbor: Morgan County, TN | limit $832,750; median home $166,300 |
| Neighbor: Putnam County, TN | limit $832,750; median home $282,500 |
| Neighbor: Rhea County, TN | limit $832,750; median home $206,000 |
| Neighbor: Roane County, TN | limit $832,750; median home $232,900 |
| Neighbor: Van Buren County, TN | limit $832,750; median home $159,200 |
| Neighbor: White County, TN | limit $832,750; median home $207,200 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Cumberland County's median home value is 13% below the state median of $286,700 (rank 24 of 95). Among its 8 neighboring counties, Putnam County has the highest median home value ($282,500) and Van Buren County the lowest ($159,200); all share the same loan limit. Owners pay a median $730 a year in property tax, an effective rate of about 0.29% 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: Cumberland County, NC
- 2026 conforming loan limit: Cumberland County, NJ
- 2026 conforming loan limit: Cumberland County, PA
- 2026 conforming loan limit: Cumberland County, VA
- 2026 conforming loan limit: Cuming County, NE
- 2026 conforming loan limit: Currituck County, NC
- 2026 conforming loan limit: Curry County, NM
- 2026 conforming loan limit: Curry County, OR
Last updated 2026-10-16. Data only, not financial or tax advice.