Lincoln County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 3.6 times the county's median home value of $229,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $64,667 (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) | $229,700 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 3.63× |
| Median household income | $64,667 |
| Median home value ÷ income | 3.6× |
| Population | 35,946 |
| Median property tax paid (owners) | $1,038 |
| Effective property tax rate (approx.) | 0.45% |
| Owner-occupied homes | 75.8% |
| Home value rank in Tennessee | 36 of 95 counties |
| Neighbor: Limestone County, AL | limit $832,750; median home $281,000 |
| Neighbor: Madison County, AL | limit $832,750; median home $299,200 |
| Neighbor: Bedford County, TN | limit $832,750; median home $281,200 |
| Neighbor: Franklin County, TN | limit $832,750; median home $236,900 |
| Neighbor: Giles County, TN | limit $832,750; median home $234,300 |
| Neighbor: Marshall County, TN | limit $832,750; median home $279,800 |
| Neighbor: Moore County, TN | limit $832,750; median home $285,300 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Lincoln County's median home value is 20% below the state median of $286,700 (rank 36 of 95). Among its 7 neighboring counties, Madison County has the highest median home value ($299,200) and Giles County the lowest ($234,300); all share the same loan limit. Owners pay a median $1,038 a year in property tax, an effective rate of about 0.45% 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: Lincoln County, OK
- 2026 conforming loan limit: Lincoln County, OR
- 2026 conforming loan limit: Lincoln County, SD
- 2026 conforming loan limit: Lincoln County, WA
- 2026 conforming loan limit: Lincoln County, WI
- 2026 conforming loan limit: Lincoln County, WV
- 2026 conforming loan limit: Lincoln County, WY
- 2026 conforming loan limit: Lincoln Parish, LA
Last updated 2026-10-16. Data only, not financial or tax advice.