FHA Loan Limits in Dickson County, Tennessee (2026)
From Dickson County, FHA buyers in Dickson County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Dickson County — Dickson County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Davidson and Shelby Counties.
What can you buy with FHA in Dickson County?
An FHA buyer near Dickson County faces an estimated $372,000 median, a $13,020 down payment, and — after Tennessee's 0.66% property tax — a monthly cost around $2,735. That suits household income of roughly $106,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Dickson County
Here is what an FHA payment looks like at three Dickson County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $268,000 | $9,380 | $2,003 |
| Local median — $372,000 | $13,020 | $2,735 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Dickson County too — get notified.
Buyers across Dickson County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $13,020 down payment near Dickson County into little out of pocket.
Multi-unit FHA limits in Dickson County
Looking at a duplex or fourplex near Dickson County? FHA allows up to $692,997 on two units and $1,041,072 on four in Dickson 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 Dickson County for 2026?
- In Dickson County (Dickson 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 Dickson County with FHA?
- For a median-priced ($372,000) Dickson County home, plan on income around $106,000 at a 31% housing ratio — about $2,735/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Dickson County?
- 3.5% with a 580+ score — roughly $13,020 on a $372,000 Dickson County-area home. Gift funds are allowed.
- Is Dickson County a high-cost FHA area?
- No — Dickson County uses the $541,287 national floor for one unit.