FHA Loan Limits in Knox County, Tennessee (2026)
Buying in Knox County or elsewhere in Knox 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 Knox County, from Knox County outward, and sit alongside the limits set for neighboring Davidson and Shelby Counties.
FHA affordability around Knox County
Homes around Knox County carry an estimated local median near $400,000, so an FHA buyer in Knox County puts down about $14,000 (3.5%). With Tennessee's 0.66% effective property-tax rate, the all-in payment runs near $2,932 a month — comfortable on household income around $113,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Knox County
Here is what an FHA payment looks like at three Knox County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $288,000 | $10,080 | $2,144 |
| Local median — $400,000 | $14,000 | $2,932 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Knox County too — get notified.
In Knox County and the surrounding Knox County market, FHA's appeal is the math: $14,000 down on a $400,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Knox County
Looking at a duplex or fourplex near Knox County? FHA allows up to $692,997 on two units and $1,041,072 on four in Knox 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 Knox County for 2026?
- In Knox County (Knox 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 Knox County with FHA?
- For a median-priced ($400,000) Knox County home, plan on income around $113,000 at a 31% housing ratio — about $2,932/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Knox County?
- 3.5% with a 580+ score — roughly $14,000 on a $400,000 Knox County-area home. Gift funds are allowed.
- Is Knox County a high-cost FHA area?
- No — Knox County uses the $541,287 national floor for one unit.