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2026 conforming loan limit: Macon County, TN

Quick answer

Macon County, Tennessee has a 2026 one-unit conforming loan limit of $1,029,250, which is 4.6 times the county's median home value of $225,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $59,177 (FHFA; Census ACS 2020–2024).

✓ FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

ItemValue
1-unit limit (2026)$1,029,250
2-unit limit$1,317,650
3-unit limit$1,592,700
4-unit limit$1,979,350
Median home value (ACS 2020–24)$225,700
Tennessee median home value$286,700
Limit ÷ median home value4.56×
Median household income$59,177
Median home value ÷ income3.8×
Population26,240
Median property tax paid (owners)$874
Effective property tax rate (approx.)0.39%
Owner-occupied homes73.6%
Home value rank in Tennessee39 of 95 counties
Neighbor: Allen County, KYlimit $832,750; median home $192,300
Neighbor: Monroe County, KYlimit $832,750; median home $115,900
Neighbor: Clay County, TNlimit $832,750; median home $136,400
Neighbor: Jackson County, TNlimit $832,750; median home $155,500
Neighbor: Smith County, TNlimit $1,029,250; median home $243,800
Neighbor: Sumner County, TNlimit $1,029,250; median home $393,100
Neighbor: Trousdale County, TNlimit $1,029,250; median home $337,600

Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Macon County's median home value is 21% below the state median of $286,700 (rank 39 of 95). Among its 7 neighboring counties, Sumner County has the highest median home value ($393,100) and Monroe County the lowest ($115,900); 4 neighbor(s) have a different loan limit. Owners pay a median $874 a year in property tax, an effective rate of about 0.39% 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.

Frequently asked questions

What is the conforming loan limit in Macon County, Tennessee?

Macon County, Tennessee has a 2026 one-unit conforming loan limit of $1,029,250, which is 4.6 times the county's median home value of $225,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $59,177 (FHFA; Census ACS 2020–2024).

What is the median home value in Macon County, Tennessee?

The median owner-occupied home value in Macon County is $225,700 (ACS 2020–2024), versus $286,700 statewide.

Do I need a jumbo loan in Macon County?

Only if your loan amount exceeds $1,029,250 for a one-unit home; the county median home value is $225,700, so the cap is 4.56 times the typical home value.

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Last updated Oct 19, 2026, 10:32 PM ET. Data only, not financial or tax advice.

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