FHA Loan Limits in Loudon County, Tennessee (2026)
From Loudon County, FHA buyers in Loudon 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 Loudon County — Loudon 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 Loudon County?
With Loudon County's median sale price estimated near $362,000 (think Loudon County), the FHA down payment is roughly $12,670. Factoring Tennessee property taxes near 0.66%, expect about $2,664 monthly, pointing to income near $103,000 — above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Loudon County
Whether you are buying in Loudon County or a smaller Loudon 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 — $261,000 | $9,135 | $1,954 |
| Local median — $362,000 | $12,670 | $2,664 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Loudon County too — get notified.
Buyers across Loudon County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,670 down payment near Loudon County into little out of pocket.
Multi-unit FHA limits in Loudon County
Investors and house-hackers in Loudon County and across Loudon 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 Loudon County for 2026?
- In Loudon County (Loudon 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 Loudon County with FHA?
- For a median-priced ($362,000) Loudon County home, plan on income around $103,000 at a 31% housing ratio — about $2,664/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Loudon County?
- 3.5% with a 580+ score — roughly $12,670 on a $362,000 Loudon County-area home. Gift funds are allowed.
- Is Loudon County a high-cost FHA area?
- No — Loudon County uses the $541,287 national floor for one unit.