Morgan County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 5.0 times the county's median home value of $166,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $65,954 (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) | $166,300 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 5.01× |
| Median household income | $65,954 |
| Median home value ÷ income | 2.5× |
| Population | 21,361 |
| Median property tax paid (owners) | $871 |
| Effective property tax rate (approx.) | 0.52% |
| Owner-occupied homes | 84.9% |
| Home value rank in Tennessee | 69 of 95 counties |
| Neighbor: Anderson County, TN | limit $832,750; median home $239,400 |
| Neighbor: Cumberland County, TN | limit $832,750; median home $250,500 |
| Neighbor: Fentress County, TN | limit $832,750; median home $168,200 |
| Neighbor: Roane County, TN | limit $832,750; median home $232,900 |
| Neighbor: Scott County, TN | limit $832,750; median home $124,900 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Morgan County's median home value is 42% below the state median of $286,700 (rank 69 of 95). Among its 5 neighboring counties, Cumberland County has the highest median home value ($250,500) and Scott County the lowest ($124,900); all share the same loan limit. Owners pay a median $871 a year in property tax, an effective rate of about 0.52% 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: Morgan County, KY
- 2026 conforming loan limit: Morgan County, MO
- 2026 conforming loan limit: Morgan County, OH
- 2026 conforming loan limit: Morgan County, UT
- 2026 conforming loan limit: Morgan County, WV
- 2026 conforming loan limit: Morovis Municipio, PR
- 2026 conforming loan limit: Morrill County, NE
- 2026 conforming loan limit: Morris County, KS
Last updated 2026-10-16. Data only, not financial or tax advice.