Johnson County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 4.7 times the county's median home value of $178,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $53,129 (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) | $178,600 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 4.66× |
| Median household income | $53,129 |
| Median home value ÷ income | 3.4× |
| Population | 18,196 |
| Median property tax paid (owners) | $710 |
| Effective property tax rate (approx.) | 0.40% |
| Owner-occupied homes | 77.5% |
| Home value rank in Tennessee | 59 of 95 counties |
| Neighbor: Ashe County, NC | limit $832,750; median home $243,100 |
| Neighbor: Avery County, NC | limit $832,750; median home $265,800 |
| Neighbor: Watauga County, NC | limit $832,750; median home $358,900 |
| Neighbor: Carter County, TN | limit $832,750; median home $168,200 |
| Neighbor: Sullivan County, TN | limit $832,750; median home $213,300 |
| Neighbor: Grayson County, VA | limit $832,750; median home $150,100 |
| Neighbor: Washington County, VA | limit $832,750; median home $214,000 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Johnson County's median home value is 38% below the state median of $286,700 (rank 59 of 95). Among its 7 neighboring counties, Watauga County has the highest median home value ($358,900) and Grayson County the lowest ($150,100); all share the same loan limit. Owners pay a median $710 a year in property tax, an effective rate of about 0.40% 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: Johnson County, KY
- 2026 conforming loan limit: Johnson County, MO
- 2026 conforming loan limit: Johnson County, NE
- 2026 conforming loan limit: Johnson County, TX
- 2026 conforming loan limit: Johnson County, WY
- 2026 conforming loan limit: Johnston County, NC
- 2026 conforming loan limit: Johnston County, OK
- 2026 conforming loan limit: Jones County, GA
Last updated 2026-10-16. Data only, not financial or tax advice.