FHA Loan Limits in Hamblen County, Tennessee (2026)
Hamblen County and the rest of Hamblen County, Tennessee fall under a 2026 one-unit FHA limit of $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 Hamblen County — Hamblen County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Davidson and Shelby Counties.
How much home can you afford in Hamblen County?
With Hamblen County's median sale price estimated near $407,000 (think Hamblen County), the FHA down payment is roughly $14,245. Factoring Tennessee property taxes near 0.66%, expect about $2,981 monthly, pointing to income near $115,000 — above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Hamblen County
Here is what an FHA payment looks like at three Hamblen County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $293,000 | $10,255 | $2,179 |
| Local median — $407,000 | $14,245 | $2,981 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Hamblen County too — get notified.
Buyers across Hamblen County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $14,245 down payment near Hamblen County into little out of pocket.
Multi-unit FHA limits in Hamblen County
Looking at a duplex or fourplex near Hamblen County? FHA allows up to $692,997 on two units and $1,041,072 on four in Hamblen 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 Hamblen County for 2026?
- In Hamblen County (Hamblen 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 Hamblen County with FHA?
- For a median-priced ($407,000) Hamblen County home, plan on income around $115,000 at a 31% housing ratio — about $2,981/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Hamblen County?
- 3.5% with a 580+ score — roughly $14,245 on a $407,000 Hamblen County-area home. Gift funds are allowed.
- Is Hamblen County a high-cost FHA area?
- No — Hamblen County uses the $541,287 national floor for one unit.