Houston County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 4.8 times the county's median home value of $172,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $59,576 (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) | $172,700 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 4.82× |
| Median household income | $59,576 |
| Median home value ÷ income | 2.9× |
| Population | 8,353 |
| Median property tax paid (owners) | $929 |
| Effective property tax rate (approx.) | 0.54% |
| Owner-occupied homes | 81.0% |
| Home value rank in Tennessee | 64 of 95 counties |
| Neighbor: Benton County, TN | limit $832,750; median home $153,600 |
| Neighbor: Dickson County, TN | limit $1,029,250; median home $306,400 |
| Neighbor: Humphreys County, TN | limit $832,750; median home $193,400 |
| Neighbor: Montgomery County, TN | limit $832,750; median home $280,200 |
| Neighbor: Stewart County, TN | limit $832,750; median home $204,700 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Houston County's median home value is 40% below the state median of $286,700 (rank 64 of 95). Among its 5 neighboring counties, Dickson County has the highest median home value ($306,400) and Benton County the lowest ($153,600); 1 neighbor(s) have a different loan limit. Owners pay a median $929 a year in property tax, an effective rate of about 0.54% 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: Houston County, AL
- 2026 conforming loan limit: Houston County, GA
- 2026 conforming loan limit: Houston County, MN
- 2026 conforming loan limit: Houston County, TX
- 2026 conforming loan limit: Howard County, AR
- 2026 conforming loan limit: Howard County, IA
- 2026 conforming loan limit: Howard County, IN
- 2026 conforming loan limit: Howard County, MD
Last updated 2026-10-16. Data only, not financial or tax advice.