Rutherford County, Tennessee has a 2026 one-unit conforming loan limit of $1,029,250, which is 2.7 times the county's median home value of $382,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $85,470 (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) | $1,029,250 |
| 2-unit limit | $1,317,650 |
| 3-unit limit | $1,592,700 |
| 4-unit limit | $1,979,350 |
| Median home value (ACS 2020–24) | $382,600 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 2.69× |
| Median household income | $85,470 |
| Median home value ÷ income | 4.5× |
| Population | 360,646 |
| Median property tax paid (owners) | $1,839 |
| Effective property tax rate (approx.) | 0.48% |
| Owner-occupied homes | 64.8% |
| Home value rank in Tennessee | 5 of 95 counties |
| Neighbor: Bedford County, TN | limit $832,750; median home $281,200 |
| Neighbor: Cannon County, TN | limit $1,029,250; median home $252,000 |
| Neighbor: Coffee County, TN | limit $832,750; median home $246,800 |
| Neighbor: Davidson County, TN | limit $1,029,250; median home $417,400 |
| Neighbor: Marshall County, TN | limit $832,750; median home $279,800 |
| Neighbor: Williamson County, TN | limit $1,029,250; median home $751,900 |
| Neighbor: Wilson County, TN | limit $1,029,250; median home $428,000 |
Across Tennessee's 95 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,029,250, with 14 high-cost counties. Rutherford County's median home value is 33% above the state median of $286,700 (rank 5 of 95). Among its 7 neighboring counties, Williamson County has the highest median home value ($751,900) and Coffee County the lowest ($246,800); 3 neighbor(s) have a different loan limit. Owners pay a median $1,839 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: Russell County, KY
- 2026 conforming loan limit: Russell County, VA
- 2026 conforming loan limit: Rutherford County, NC
- 2026 conforming loan limit: Rutland County, VT
- 2026 conforming loan limit: Sabana Grande Municipio, PR
- 2026 conforming loan limit: Sabine County, TX
- 2026 conforming loan limit: Sabine Parish, LA
- 2026 conforming loan limit: Sac County, IA
Last updated 2026-10-16. Data only, not financial or tax advice.