FHA Loan Limits in Montgomery County, Tennessee (2026)
Montgomery County and the rest of Montgomery County, Tennessee fall under a 2026 one-unit FHA limit of $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 |
From Montgomery County to the edges of Montgomery County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Davidson and Shelby Counties.
How much home can you afford in Montgomery County?
Homes around Montgomery County carry an estimated local median near $344,000, so an FHA buyer in Montgomery County puts down about $12,040 (3.5%). With Tennessee's 0.66% effective property-tax rate, the all-in payment runs near $2,538 a month — comfortable on household income around $98,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Montgomery County
Here is what an FHA payment looks like at three Montgomery County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $248,000 | $8,680 | $1,862 |
| Local median — $344,000 | $12,040 | $2,538 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Montgomery County too — get notified.
First-time buyers make up much of FHA activity in Montgomery County and across Montgomery County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $12,040 needed on a median Montgomery County home.
Multi-unit FHA limits in Montgomery County
Looking at a duplex or fourplex near Montgomery County? FHA allows up to $692,997 on two units and $1,041,072 on four in Montgomery 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 Montgomery County for 2026?
- In Montgomery County (Montgomery 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 Montgomery County with FHA?
- For a median-priced ($344,000) Montgomery County home, plan on income around $98,000 at a 31% housing ratio — about $2,538/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Montgomery County?
- 3.5% with a 580+ score — roughly $12,040 on a $344,000 Montgomery County-area home. Gift funds are allowed.
- Is Montgomery County a high-cost FHA area?
- No — Montgomery County uses the $541,287 national floor for one unit.