Putnam County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 2.9 times the county's median home value of $282,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $58,912 (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) | $282,500 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 2.95× |
| Median household income | $58,912 |
| Median home value ÷ income | 4.8× |
| Population | 82,558 |
| Median property tax paid (owners) | $1,363 |
| Effective property tax rate (approx.) | 0.48% |
| Owner-occupied homes | 61.2% |
| Home value rank in Tennessee | 18 of 95 counties |
| Neighbor: Cumberland County, TN | limit $832,750; median home $250,500 |
| Neighbor: Dekalb County, TN | limit $832,750; median home $235,500 |
| Neighbor: Fentress County, TN | limit $832,750; median home $168,200 |
| Neighbor: Jackson County, TN | limit $832,750; median home $155,500 |
| Neighbor: Overton County, TN | limit $832,750; median home $173,200 |
| Neighbor: Smith County, TN | limit $1,029,250; median home $243,800 |
| Neighbor: White County, TN | limit $832,750; median home $207,200 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Putnam County's median home value is 1% below the state median of $286,700 (rank 18 of 95). Among its 7 neighboring counties, Cumberland County has the highest median home value ($250,500) and Jackson County the lowest ($155,500); 1 neighbor(s) have a different loan limit. Owners pay a median $1,363 a year in property tax, an effective rate of about 0.48% 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: Perry County, TN
- 2026 conforming loan limit: Pickett County, TN
- 2026 conforming loan limit: Polk County, TN
- 2026 conforming loan limit: Rhea County, TN
- 2026 conforming loan limit: Roane County, TN
- 2026 conforming loan limit: Robertson County, TN
- 2026 conforming loan limit: Rutherford County, TN
- 2026 conforming loan limit: Scott County, TN
Last updated 2026-10-16. Data only, not financial or tax advice.
Related answers
- Mortgage rates in Tennessee today: 7.40% 30-yr, 2026 loan limits
- Tennessee state income tax rates and brackets 2026
- Cost of living in Tennessee vs US average (2024)
- 2026 conforming loan limits in Tennessee by county
- $60,000 salary after taxes in Tennessee (2026 take-home pay)
- $85,000 salary after taxes in Tennessee (2026 take-home pay)
- $100,000 salary after taxes in Tennessee (2026 take-home pay)
- 2026 conforming loan limit: Perry County, TN
- 2026 conforming loan limit: Pickett County, TN
- 2026 conforming loan limit: Polk County, TN
- 2026 conforming loan limit: Rhea County, TN
- 2026 conforming loan limit: Roane County, TN
- 2026 conforming loan limit: Robertson County, TN
- Mortgage rates today (Freddie Mac weekly average)