FHA Loan Limits in Blount County, Tennessee (2026)
In Blount County — anchored by Blount County — the 2026 FHA loan limit for a single-family home 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 Blount County — Blount County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Davidson and Shelby Counties.
Affording a home in Blount County & Blount County
An FHA buyer near Blount County faces an estimated $355,000 median, a $12,425 down payment, and — after Tennessee's 0.66% property tax — a monthly cost around $2,615. That suits household income of roughly $101,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Blount County
Here is what an FHA payment looks like at three Blount County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $256,000 | $8,960 | $1,918 |
| Local median — $355,000 | $12,425 | $2,615 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Blount County too — get notified.
Buyers across Blount County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,425 down payment near Blount County into little out of pocket.
Multi-unit FHA limits in Blount County
Looking at a duplex or fourplex near Blount County? FHA allows up to $692,997 on two units and $1,041,072 on four in Blount 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 Blount County for 2026?
- In Blount County (Blount 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 Blount County with FHA?
- For a median-priced ($355,000) Blount County home, plan on income around $101,000 at a 31% housing ratio — about $2,615/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Blount County?
- 3.5% with a 580+ score — roughly $12,425 on a $355,000 Blount County-area home. Gift funds are allowed.
- Is Blount County a high-cost FHA area?
- No — Blount County uses the $541,287 national floor for one unit.