FHA Loan Limits in Hamilton County, Tennessee (2026)
Buying in Hamilton County or elsewhere in Hamilton 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 |
These 2026 limits apply throughout Hamilton County, from Hamilton County outward, and sit alongside the limits set for neighboring Davidson and Shelby Counties.
FHA affordability around Hamilton County
An FHA buyer near Hamilton County faces an estimated $330,000 median, a $11,550 down payment, and — after Tennessee's 0.66% property tax — a monthly cost around $2,439. That suits household income of roughly $94,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Hamilton County
Whether you are buying in Hamilton County or a smaller Hamilton 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 — $238,000 | $8,330 | $1,792 |
| Local median — $330,000 | $11,550 | $2,439 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Hamilton County too — get notified.
In Hamilton County and the surrounding Hamilton County market, FHA's appeal is the math: $11,550 down on a $330,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Hamilton County
Investors and house-hackers in Hamilton County and across Hamilton 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 Hamilton County for 2026?
- In Hamilton County (Hamilton 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 Hamilton County with FHA?
- For a median-priced ($330,000) Hamilton County home, plan on income around $94,000 at a 31% housing ratio — about $2,439/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Hamilton County?
- 3.5% with a 580+ score — roughly $11,550 on a $330,000 Hamilton County-area home. Gift funds are allowed.
- Is Hamilton County a high-cost FHA area?
- No — Hamilton County uses the $541,287 national floor for one unit.