FHA Loan Limits in McMinn County, Tennessee (2026)
In McMinn County — anchored by McMinn County — the 2026 FHA loan limit for a single-family home 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 McMinn County, from McMinn County outward, and sit alongside the limits set for neighboring Davidson and Shelby Counties.
Affording a home in McMinn County & McMinn County
With McMinn County's median sale price estimated near $358,000 (think McMinn County), the FHA down payment is roughly $12,530. Factoring Tennessee property taxes near 0.66%, expect about $2,636 monthly, pointing to income near $102,000 — above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in McMinn County
FHA payments across McMinn County price points — from entry homes near McMinn County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $258,000 | $9,030 | $1,932 |
| Local median — $358,000 | $12,530 | $2,636 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near McMinn County too — get notified.
In McMinn County and the surrounding McMinn County market, FHA's appeal is the math: $12,530 down on a $358,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in McMinn County
McMinn County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in McMinn County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in McMinn County for 2026?
- In McMinn County (McMinn 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 McMinn County with FHA?
- For a median-priced ($358,000) McMinn County home, plan on income around $102,000 at a 31% housing ratio — about $2,636/month including taxes, insurance, and MIP.
- How much is the FHA down payment in McMinn County?
- 3.5% with a 580+ score — roughly $12,530 on a $358,000 McMinn County-area home. Gift funds are allowed.
- Is McMinn County a high-cost FHA area?
- No — McMinn County uses the $541,287 national floor for one unit.