FHA Loan Limits in Tennessee (2026)
For 2026, the FHA loan limit in most Tennessee counties is $541,287 for a single-family home. Tennessee has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Tennessee
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Shelby County | $541,287 | $692,997 | $1,041,072 | Standard |
| Davidson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Knox County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hamilton County | $541,287 | $692,997 | $1,041,072 | Standard |
| Rutherford County | $541,287 | $692,997 | $1,041,072 | Standard |
| Williamson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Montgomery County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sumner County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sevier County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wilson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Blount County | $541,287 | $692,997 | $1,041,072 | Standard |
| Washington County | $541,287 | $692,997 | $1,041,072 | Standard |
| Madison County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bradley County | $541,287 | $692,997 | $1,041,072 | Standard |
| Maury County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sullivan County | $541,287 | $692,997 | $1,041,072 | Standard |
| Anderson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Robertson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Putnam County | $541,287 | $692,997 | $1,041,072 | Standard |
| Greene County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hamblen County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bedford County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dickson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Carter County | $541,287 | $692,997 | $1,041,072 | Standard |
| Coffee County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cumberland County | $541,287 | $692,997 | $1,041,072 | Standard |
| McMinn County | $541,287 | $692,997 | $1,041,072 | Standard |
| Loudon County | $541,287 | $692,997 | $1,041,072 | Standard |
Tennessee's median home price is roughly $360,000. With 3.5% down, an example FHA payment near that price is about $2,782/month including MIP, taxes, and insurance.
Buying with an FHA loan in Tennessee
FHA loans are popular with first-time buyers in Tennessee because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Tennessee for 2026?
- Most Tennessee counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Tennessee?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.