FHA Loan Limits in Bedford County, Tennessee (2026)
Buying in Bedford County or elsewhere in Bedford County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Bedford County — Bedford County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Davidson and Shelby Counties.
FHA affordability around Bedford County
An FHA buyer near Bedford County faces an estimated $309,000 median, a $10,815 down payment, and — after Tennessee's 0.66% property tax — a monthly cost around $2,291. That suits household income of roughly $89,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Bedford County
Here is what an FHA payment looks like at three Bedford County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $222,000 | $7,770 | $1,679 |
| Local median — $309,000 | $10,815 | $2,291 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Bedford County too — get notified.
Buyers across Bedford County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $10,815 down payment near Bedford County into little out of pocket.
Multi-unit FHA limits in Bedford County
Looking at a duplex or fourplex near Bedford County? FHA allows up to $692,997 on two units and $1,041,072 on four in Bedford County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Bedford County for 2026?
- In Bedford County (Bedford County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Bedford County with FHA?
- For a median-priced ($309,000) Bedford County home, plan on income around $89,000 at a 31% housing ratio — about $2,291/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Bedford County?
- 3.5% with a 580+ score — roughly $10,815 on a $309,000 Bedford County-area home. Gift funds are allowed.
- Is Bedford County a high-cost FHA area?
- No — Bedford County uses the $541,287 national floor for one unit.