Hamilton County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 2.7 times the county's median home value of $312,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $76,183 (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) | $312,800 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 2.66× |
| Median household income | $76,183 |
| Median home value ÷ income | 4.1× |
| Population | 376,192 |
| Median property tax paid (owners) | $1,925 |
| Effective property tax rate (approx.) | 0.62% |
| Owner-occupied homes | 63.9% |
| Home value rank in Tennessee | 14 of 95 counties |
| Neighbor: Catoosa County, GA | limit $832,750; median home $240,900 |
| Neighbor: Dade County, GA | limit $832,750; median home $198,500 |
| Neighbor: Walker County, GA | limit $832,750; median home $197,100 |
| Neighbor: Whitfield County, GA | limit $832,750; median home $218,000 |
| Neighbor: Bledsoe County, TN | limit $832,750; median home $189,400 |
| Neighbor: Bradley County, TN | limit $832,750; median home $261,900 |
| Neighbor: Marion County, TN | limit $832,750; median home $195,200 |
| Neighbor: Meigs County, TN | limit $832,750; median home $180,000 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Hamilton County's median home value is 9% above the state median of $286,700 (rank 14 of 95). Among its 8 neighboring counties, Bradley County has the highest median home value ($261,900) and Meigs County the lowest ($180,000); all share the same loan limit. Owners pay a median $1,925 a year in property tax, an effective rate of about 0.62% 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: Hamilton County, NE
- 2026 conforming loan limit: Hamilton County, NY
- 2026 conforming loan limit: Hamilton County, OH
- 2026 conforming loan limit: Hamilton County, TX
- 2026 conforming loan limit: Hamlin County, SD
- 2026 conforming loan limit: Hampden County, MA
- 2026 conforming loan limit: Hampshire County, MA
- 2026 conforming loan limit: Hampshire County, WV
Last updated 2026-10-16. Data only, not financial or tax advice.