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2026 conforming loan limit: Mcnairy County, TN

Quick answer

Mcnairy County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 5.1 times the county's median home value of $161,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $53,473 (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)$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)$161,800
Tennessee median home value$286,700
Limit ÷ median home value5.15×
Median household income$53,473
Median home value ÷ income3.0×
Population25,970
Median property tax paid (owners)$619
Effective property tax rate (approx.)0.38%
Owner-occupied homes79.7%
Home value rank in Tennessee72 of 95 counties
Neighbor: Alcorn County, MSlimit $832,750; median home $142,100
Neighbor: Chester County, TNlimit $832,750; median home $164,400
Neighbor: Hardeman County, TNlimit $832,750; median home $121,700
Neighbor: Hardin County, TNlimit $832,750; median home $160,400

Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Mcnairy County's median home value is 44% below the state median of $286,700 (rank 72 of 95). Among its 4 neighboring counties, Chester County has the highest median home value ($164,400) and Hardeman County the lowest ($121,700); all share the same loan limit. Owners pay a median $619 a year in property tax, an effective rate of about 0.38% 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.

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Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.

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