Madison County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 3.9 times the county's median home value of $211,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $60,042 (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) | $211,800 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 3.93× |
| Median household income | $60,042 |
| Median home value ÷ income | 3.5× |
| Population | 99,295 |
| Median property tax paid (owners) | $1,185 |
| Effective property tax rate (approx.) | 0.56% |
| Owner-occupied homes | 62.0% |
| Home value rank in Tennessee | 43 of 95 counties |
| Neighbor: Carroll County, TN | limit $832,750; median home $142,400 |
| Neighbor: Chester County, TN | limit $832,750; median home $164,400 |
| Neighbor: Crockett County, TN | limit $832,750; median home $158,900 |
| Neighbor: Gibson County, TN | limit $832,750; median home $156,900 |
| Neighbor: Hardeman County, TN | limit $832,750; median home $121,700 |
| Neighbor: Haywood County, TN | limit $832,750; median home $152,400 |
| Neighbor: Henderson County, TN | limit $832,750; median home $164,800 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Madison County's median home value is 26% below the state median of $286,700 (rank 43 of 95). Among its 7 neighboring counties, Henderson County has the highest median home value ($164,800) and Hardeman County the lowest ($121,700); all share the same loan limit. Owners pay a median $1,185 a year in property tax, an effective rate of about 0.56% 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: Madison County, NE
- 2026 conforming loan limit: Madison County, NY
- 2026 conforming loan limit: Madison County, OH
- 2026 conforming loan limit: Madison County, TX
- 2026 conforming loan limit: Madison County, VA
- 2026 conforming loan limit: Madison Parish, LA
- 2026 conforming loan limit: Magoffin County, KY
- 2026 conforming loan limit: Mahaska County, IA
Last updated 2026-10-16. Data only, not financial or tax advice.