Hardeman County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 6.8 times the county's median home value of $121,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $46,069 (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) | $121,700 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 6.84× |
| Median household income | $46,069 |
| Median home value ÷ income | 2.6× |
| Population | 25,433 |
| Median property tax paid (owners) | $764 |
| Effective property tax rate (approx.) | 0.63% |
| Owner-occupied homes | 71.7% |
| Home value rank in Tennessee | 94 of 95 counties |
| Neighbor: Alcorn County, MS | limit $832,750; median home $142,100 |
| Neighbor: Benton County, MS | limit $832,750; median home $105,100 |
| Neighbor: Tippah County, MS | limit $832,750; median home $124,100 |
| Neighbor: Chester County, TN | limit $832,750; median home $164,400 |
| Neighbor: Fayette County, TN | limit $832,750; median home $340,800 |
| Neighbor: Haywood County, TN | limit $832,750; median home $152,400 |
| Neighbor: Mcnairy County, TN | limit $832,750; median home $161,800 |
| Neighbor: Madison County, TN | limit $832,750; median home $211,800 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Hardeman County's median home value is 58% below the state median of $286,700 (rank 94 of 95). Among its 8 neighboring counties, Fayette County has the highest median home value ($340,800) and Benton County the lowest ($105,100); all share the same loan limit. Owners pay a median $764 a year in property tax, an effective rate of about 0.63% 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: Hanson County, SD
- 2026 conforming loan limit: Haralson County, GA
- 2026 conforming loan limit: Hardee County, FL
- 2026 conforming loan limit: Hardeman County, TX
- 2026 conforming loan limit: Hardin County, IA
- 2026 conforming loan limit: Hardin County, IL
- 2026 conforming loan limit: Hardin County, KY
- 2026 conforming loan limit: Hardin County, OH
Last updated 2026-10-16. Data only, not financial or tax advice.