FHA Loan Limits in Coffee County, Tennessee (2026)
Buying in Coffee County or elsewhere in Coffee 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 Coffee County — Coffee County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Davidson and Shelby Counties.
FHA affordability around Coffee County
Homes around Coffee County carry an estimated local median near $351,000, so an FHA buyer in Coffee County puts down about $12,285 (3.5%). With Tennessee's 0.66% effective property-tax rate, the all-in payment runs near $2,587 a month — comfortable on household income around $100,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Coffee County
Whether you are buying in Coffee County or a smaller Coffee County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $253,000 | $8,855 | $1,897 |
| Local median — $351,000 | $12,285 | $2,587 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Coffee County too — get notified.
Buyers across Coffee County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,285 down payment near Coffee County into little out of pocket.
Multi-unit FHA limits in Coffee County
Investors and house-hackers in Coffee County and across Coffee County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Coffee County for 2026?
- In Coffee County (Coffee 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 Coffee County with FHA?
- For a median-priced ($351,000) Coffee County home, plan on income around $100,000 at a 31% housing ratio — about $2,587/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Coffee County?
- 3.5% with a 580+ score — roughly $12,285 on a $351,000 Coffee County-area home. Gift funds are allowed.
- Is Coffee County a high-cost FHA area?
- No — Coffee County uses the $541,287 national floor for one unit.