FHA Loan Limits in Greene County, Tennessee (2026)
In Greene County — anchored by Greene 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 |
From Greene County to the edges of Greene County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Davidson and Shelby Counties.
Affording a home in Greene County & Greene County
With Greene County's median sale price estimated near $306,000 (think Greene County), the FHA down payment is roughly $10,710. Factoring Tennessee property taxes near 0.66%, expect about $2,270 monthly, pointing to income near $88,000 — above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Greene County
Here is what an FHA payment looks like at three Greene County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $220,000 | $7,700 | $1,665 |
| Local median — $306,000 | $10,710 | $2,270 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Greene County too — get notified.
First-time buyers make up much of FHA activity in Greene County and across Greene County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,710 needed on a median Greene County home.
Multi-unit FHA limits in Greene County
Looking at a duplex or fourplex near Greene County? FHA allows up to $692,997 on two units and $1,041,072 on four in Greene 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 Greene County for 2026?
- In Greene County (Greene 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 Greene County with FHA?
- For a median-priced ($306,000) Greene County home, plan on income around $88,000 at a 31% housing ratio — about $2,270/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Greene County?
- 3.5% with a 580+ score — roughly $10,710 on a $306,000 Greene County-area home. Gift funds are allowed.
- Is Greene County a high-cost FHA area?
- No — Greene County uses the $541,287 national floor for one unit.