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2026 conforming loan limit: Warren County, TN

Quick answer

Warren County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 4.3 times the county's median home value of $192,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $55,487 (FHFA; Census ACS 2020–2024).

✓ FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024

ItemValue
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)$192,900
Tennessee median home value$286,700
Limit ÷ median home value4.32×
Median household income$55,487
Median home value ÷ income3.5×
Population42,166
Median property tax paid (owners)$805
Effective property tax rate (approx.)0.42%
Owner-occupied homes72.4%
Home value rank in Tennessee53 of 95 counties
Neighbor: Cannon County, TNlimit $1,029,250; median home $252,000
Neighbor: Coffee County, TNlimit $832,750; median home $246,800
Neighbor: Dekalb County, TNlimit $832,750; median home $235,500
Neighbor: Grundy County, TNlimit $832,750; median home $154,000
Neighbor: Sequatchie County, TNlimit $832,750; median home $232,600
Neighbor: Van Buren County, TNlimit $832,750; median home $159,200
Neighbor: White County, TNlimit $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. Warren County's median home value is 33% below the state median of $286,700 (rank 53 of 95). Among its 7 neighboring counties, Cannon County has the highest median home value ($252,000) and Grundy County the lowest ($154,000); 1 neighbor(s) have a different loan limit. Owners pay a median $805 a year in property tax, an effective rate of about 0.42% 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.

Frequently asked questions

What is the conforming loan limit in Warren County, Tennessee?

Warren County, Tennessee has a 2026 one-unit conforming loan limit of $832,750, which is 4.3 times the county's median home value of $192,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $55,487 (FHFA; Census ACS 2020–2024).

What is the median home value in Warren County, Tennessee?

The median owner-occupied home value in Warren County is $192,900 (ACS 2020–2024), versus $286,700 statewide.

Do I need a jumbo loan in Warren County?

Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $192,900, so the cap is 4.32 times the typical home value.

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Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.

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