Fayette County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 2.4 times the county's median home value of $340,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $88,456 (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) | $340,800 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 2.44× |
| Median household income | $88,456 |
| Median home value ÷ income | 3.9× |
| Population | 43,267 |
| Median property tax paid (owners) | $1,140 |
| Effective property tax rate (approx.) | 0.33% |
| Owner-occupied homes | 81.4% |
| Home value rank in Tennessee | 8 of 95 counties |
| Neighbor: Benton County, MS | limit $832,750; median home $105,100 |
| Neighbor: Marshall County, MS | limit $832,750; median home $167,900 |
| Neighbor: Hardeman County, TN | limit $832,750; median home $121,700 |
| Neighbor: Haywood County, TN | limit $832,750; median home $152,400 |
| Neighbor: Shelby County, TN | limit $832,750; median home $249,100 |
| Neighbor: Tipton County, TN | limit $832,750; median home $240,600 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Fayette County's median home value is 19% above the state median of $286,700 (rank 8 of 95). Among its 6 neighboring counties, Shelby County has the highest median home value ($249,100) and Benton County the lowest ($105,100); all share the same loan limit. Owners pay a median $1,140 a year in property tax, an effective rate of about 0.33% 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: Fayette County, KY
- 2026 conforming loan limit: Fayette County, OH
- 2026 conforming loan limit: Fayette County, PA
- 2026 conforming loan limit: Fayette County, TX
- 2026 conforming loan limit: Fayette County, WV
- 2026 conforming loan limit: Fentress County, TN
- 2026 conforming loan limit: Fergus County, MT
- 2026 conforming loan limit: Ferry County, WA
Last updated 2026-10-16. Data only, not financial or tax advice.