Stewardship Capital
The conforming and FHA loan limits for all 95 counties in Tennessee, effective for 2026. Conforming limits come from the Federal Housing Finance Agency, FHA limits from HUD.
Baseline conforming
$832,750
One unit, most counties
Highest in Tennessee
$1,029,250
Cannon County
FHA range
$541,287 – $1,029,250
One unit, by county
14 of Tennessee's 95 counties are designated high-cost, which means the conforming limit there is above the national baseline. The highest in the state is Cannon County at $1,029,250 for a one-unit home.
| County | Conforming | FHA |
|---|---|---|
| Anderson County | $832,750 | $541,287 |
| Bedford County | $832,750 | $541,287 |
| Benton County | $832,750 | $541,287 |
| Bledsoe County | $832,750 | $541,287 |
| Blount County | $832,750 | $541,287 |
| Bradley County | $832,750 | $541,287 |
| Campbell County | $832,750 | $541,287 |
| Cannon County | $1,029,250 | $1,029,250 |
| Carroll County | $832,750 | $541,287 |
| Carter County | $832,750 | $541,287 |
| Cheatham County | $1,029,250 | $1,029,250 |
| Chester County | $832,750 | $541,287 |
| Claiborne County | $832,750 | $541,287 |
| Clay County | $832,750 | $541,287 |
| Cocke County | $832,750 | $541,287 |
| Coffee County | $832,750 | $541,287 |
| Crockett County | $832,750 | $541,287 |
| Cumberland County | $832,750 | $541,287 |
| Davidson County | $1,029,250 | $1,029,250 |
| Decatur County | $832,750 | $541,287 |
| Dekalb County | $832,750 | $541,287 |
| Dickson County | $1,029,250 | $1,029,250 |
| Dyer County | $832,750 | $541,287 |
| Fayette County | $832,750 | $541,287 |
| Fentress County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Gibson County | $832,750 | $541,287 |
| Giles County | $832,750 | $541,287 |
| Grainger County | $832,750 | $541,287 |
| Greene County | $832,750 | $541,287 |
| Grundy County | $832,750 | $541,287 |
| Hamblen County | $832,750 | $541,287 |
| Hamilton County | $832,750 | $541,287 |
| Hancock County | $832,750 | $541,287 |
| Hardeman County | $832,750 | $541,287 |
| Hardin County | $832,750 | $541,287 |
| Hawkins County | $832,750 | $541,287 |
| Haywood County | $832,750 | $541,287 |
| Henderson County | $832,750 | $541,287 |
| Henry County | $832,750 | $541,287 |
| Hickman County | $1,029,250 | $1,029,250 |
| Houston County | $832,750 | $541,287 |
| Humphreys County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Johnson County | $832,750 | $541,287 |
| Knox County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lauderdale County | $832,750 | $541,287 |
| Lawrence County | $832,750 | $541,287 |
| Lewis County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $541,287 |
| Loudon County | $832,750 | $541,287 |
| Macon County | $1,029,250 | $1,029,250 |
| Madison County | $832,750 | $541,287 |
| Marion County | $832,750 | $541,287 |
| Marshall County | $832,750 | $541,287 |
| Maury County | $1,029,250 | $1,029,250 |
| Mcminn County | $832,750 | $541,287 |
| Mcnairy County | $832,750 | $541,287 |
| Meigs County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Moore County | $832,750 | $541,287 |
| Morgan County | $832,750 | $541,287 |
| Obion County | $832,750 | $541,287 |
| Overton County | $832,750 | $541,287 |
| Perry County | $832,750 | $541,287 |
| Pickett County | $832,750 | $541,287 |
| Polk County | $832,750 | $541,287 |
| Putnam County | $832,750 | $541,287 |
| Rhea County | $832,750 | $541,287 |
| Roane County | $832,750 | $541,287 |
| Robertson County | $1,029,250 | $1,029,250 |
| Rutherford County | $1,029,250 | $1,029,250 |
| Scott County | $832,750 | $541,287 |
| Sequatchie County | $832,750 | $541,287 |
| Sevier County | $832,750 | $541,287 |
| Shelby County | $832,750 | $541,287 |
| Smith County | $1,029,250 | $1,029,250 |
| Stewart County | $832,750 | $541,287 |
| Sullivan County | $832,750 | $541,287 |
| Sumner County | $1,029,250 | $1,029,250 |
| Tipton County | $832,750 | $541,287 |
| Trousdale County | $1,029,250 | $1,029,250 |
| Unicoi County | $832,750 | $541,287 |
| Union County | $832,750 | $541,287 |
| Van Buren County | $832,750 | $541,287 |
| Warren County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Wayne County | $832,750 | $541,287 |
| Weakley County | $832,750 | $541,287 |
| White County | $832,750 | $541,287 |
| Williamson County | $1,029,250 | $1,029,250 |
| Wilson County | $1,029,250 | $1,029,250 |
Not sure which limit applies to your purchase? Stewardship Capital works with buyers and homeowners in Tennessee. Talk it through with Stephen.
The baseline conforming loan limit in Tennessee for 2026 is $832,750 for a one-unit home. In Tennessee's 14 high-cost counties it is higher, up to $1,029,250 in Cannon County.
FHA loan limits in Tennessee range from $541,287 to $1,029,250 for a one-unit home, depending on the county. The national FHA floor is $541,287 and the ceiling is $1,249,125.
A high balance loan is a conforming loan in a county whose limit is above the national baseline of $832,750. It still follows Fannie Mae and Freddie Mac guidelines, so it is not a jumbo loan, though it usually prices a little differently.
A loan above the county's conforming limit is a jumbo loan. Jumbo loans are held by individual investors rather than bought by Fannie Mae or Freddie Mac, so the qualifying guidelines are set by each investor and tend to be stricter on credit, reserves and down payment.
Yes, and they are higher. Every county has four limits, one for each size of property from one unit up to four units. The figures on this page are the one-unit limits, which is what most buyers need.
About these numbers. Conforming limits are published each year by the Federal Housing Finance Agency and apply to loans bought by Fannie Mae and Freddie Mac. FHA limits are published by the U.S. Department of Housing and Urban Development. Both are effective for 2026. Limits are set by county and by the number of units, and they are not a quote, a commitment to lend or an offer of credit. Stephen Chakerian, NMLS #2193331 | Stewardship Capital, a team of Barrett Financial Group, L.L.C., NMLS #181106 | Equal Housing Opportunity.
