Smith County, Tennessee has a 2026 one-unit conforming loan limit of $1,029,250, which is 4.2 times the county's median home value of $243,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,293 (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) | $243,800 |
| Tennessee median home value | $286,700 |
| Limit ÷ median home value | 4.22× |
| Median household income | $66,293 |
| Median home value ÷ income | 3.7× |
| Population | 20,389 |
| Median property tax paid (owners) | $1,136 |
| Effective property tax rate (approx.) | 0.47% |
| Owner-occupied homes | 76.9% |
| Home value rank in Tennessee | 28 of 95 counties |
| Neighbor: Dekalb County, TN | limit $832,750; median home $235,500 |
| Neighbor: Jackson County, TN | limit $832,750; median home $155,500 |
| Neighbor: Macon County, TN | limit $1,029,250; median home $225,700 |
| Neighbor: Putnam County, TN | limit $832,750; median home $282,500 |
| Neighbor: Trousdale County, TN | limit $1,029,250; median home $337,600 |
| 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. Smith County's median home value is 15% below the state median of $286,700 (rank 28 of 95). Among its 6 neighboring counties, Wilson County has the highest median home value ($428,000) and Jackson County the lowest ($155,500); 3 neighbor(s) have a different loan limit. Owners pay a median $1,136 a year in property tax, an effective rate of about 0.47% 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: Slope County, ND
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- 2026 conforming loan limit: Smith County, TX
- 2026 conforming loan limit: Smyth County, VA
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- 2026 conforming loan limit: Snyder County, PA
- 2026 conforming loan limit: Socorro County, NM
Last updated 2026-10-16. Data only, not financial or tax advice.