Highest FHA limit in Tennessee
$1,029,250
In 2026, FHA one-unit limits in Tennessee range from $541,287 to $1,029,250 (Cannon County). 81 of 95 counties use the national floor.
81 of 95counties at the $541,287 floor
All Tennessee counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Cannon County | $1,029,250 | $1,317,650 | $1,979,350 | $1,029,250 |
| Cheatham County | $1,029,250 | $1,317,650 | $1,979,350 | $1,029,250 |
| Davidson County | $1,029,250 | $1,317,650 | $1,979,350 | $1,029,250 |
| Dickson County | $1,029,250 | $1,317,650 | $1,979,350 | $1,029,250 |
| Hickman County | $1,029,250 | $1,317,650 | $1,979,350 | $1,029,250 |
| Macon County | $1,029,250 | $1,317,650 | $1,979,350 | $1,029,250 |
| Maury County | $1,029,250 | $1,317,650 | $1,979,350 | $1,029,250 |
| Robertson County | $1,029,250 | $1,317,650 | $1,979,350 | $1,029,250 |
| Rutherford County | $1,029,250 | $1,317,650 | $1,979,350 | $1,029,250 |
| Smith County | $1,029,250 | $1,317,650 | $1,979,350 | $1,029,250 |
| Sumner County | $1,029,250 | $1,317,650 | $1,979,350 | $1,029,250 |
| Trousdale County | $1,029,250 | $1,317,650 | $1,979,350 | $1,029,250 |
| Williamson County | $1,029,250 | $1,317,650 | $1,979,350 | $1,029,250 |
| Wilson County | $1,029,250 | $1,317,650 | $1,979,350 | $1,029,250 |
| Anderson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bedford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Benton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bledsoe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Blount County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bradley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Campbell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Carroll County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Carter County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chester County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Claiborne County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clay County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cocke County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Coffee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Crockett County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cumberland County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| DeKalb County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Decatur County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dyer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fayette County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fentress County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Franklin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gibson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Giles County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grainger County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Greene County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grundy County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hamblen County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hamilton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hancock County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hardeman County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hardin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hawkins County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Haywood County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Henderson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Henry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Houston County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Humphreys County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jackson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jefferson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Johnson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Knox County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lake County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lauderdale County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lawrence County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lewis County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lincoln County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Loudon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Madison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marion County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marshall County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McMinn County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McNairy County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Meigs County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Monroe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Montgomery County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Moore County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Morgan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Obion County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Overton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Perry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pickett County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Polk County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Putnam County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rhea County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Roane County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Scott County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sequatchie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sevier County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Shelby County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stewart County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sullivan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tipton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Unicoi County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Union County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Van Buren County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Warren County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wayne County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Weakley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| White County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Tennessee for 2026?
In 2026, FHA one-unit limits in Tennessee range from $541,287 to $1,029,250 (Cannon County). 81 of 95 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.