FHA Loan Limits in Madison County, Tennessee (2026)
From Madison County, FHA buyers in Madison 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 |
From Madison County to the edges of Madison County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Davidson and Shelby Counties.
What can you buy with FHA in Madison County?
Homes around Madison County carry an estimated local median near $369,000, so an FHA buyer in Madison County puts down about $12,915 (3.5%). With Tennessee's 0.66% effective property-tax rate, the all-in payment runs near $2,714 a month — comfortable on household income around $105,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Madison County
FHA payments across Madison County price points — from entry homes near Madison County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $266,000 | $9,310 | $1,989 |
| Local median — $369,000 | $12,915 | $2,714 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Madison County too — get notified.
First-time buyers make up much of FHA activity in Madison County and across Madison County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $12,915 needed on a median Madison County home.
Multi-unit FHA limits in Madison County
Madison County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Madison County can live in one unit and rent the rest to offset the mortgage.
FHA Alerts, Free to Your Inbox
Rates move daily and FHA rules change often. We will tell you the moment something shifts.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Madison County for 2026?
- In Madison County (Madison 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 Madison County with FHA?
- For a median-priced ($369,000) Madison County home, plan on income around $105,000 at a 31% housing ratio — about $2,714/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Madison County?
- 3.5% with a 580+ score — roughly $12,915 on a $369,000 Madison County-area home. Gift funds are allowed.
- Is Madison County a high-cost FHA area?
- No — Madison County uses the $541,287 national floor for one unit.