Overton County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 4.8 times the county's median home value of $173,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $48,959 (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) | $173,200 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 4.81× |
| Median household income | $48,959 |
| Median home value ÷ income | 3.5× |
| Population | 23,065 |
| Median property tax paid (owners) | $669 |
| Effective property tax rate (approx.) | 0.39% |
| Owner-occupied homes | 76.9% |
| Home value rank in Tennessee | 63 of 95 counties |
| Neighbor: Clay County, TN | limit $832,750; median home $136,400 |
| Neighbor: Fentress County, TN | limit $832,750; median home $168,200 |
| Neighbor: Jackson County, TN | limit $832,750; median home $155,500 |
| Neighbor: Pickett County, TN | limit $832,750; median home $178,500 |
| Neighbor: Putnam County, TN | limit $832,750; median home $282,500 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Overton County's median home value is 40% below the state median of $286,700 (rank 63 of 95). Among its 5 neighboring counties, Putnam County has the highest median home value ($282,500) and Clay County the lowest ($136,400); all share the same loan limit. Owners pay a median $669 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.