FHA Loan Limits in Robertson County, Tennessee (2026)
Buying in Robertson County or elsewhere in Robertson 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 |
From Robertson County to the edges of Robertson County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Davidson and Shelby Counties.
FHA affordability around Robertson County
An FHA buyer near Robertson County faces an estimated $414,000 median, a $14,490 down payment, and — after Tennessee's 0.66% property tax — a monthly cost around $3,030. That suits household income of roughly $117,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Robertson County
FHA payments across Robertson County price points — from entry homes near Robertson County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $298,000 | $10,430 | $2,214 |
| Local median — $414,000 | $14,490 | $3,030 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Robertson County too — get notified.
First-time buyers make up much of FHA activity in Robertson County and across Robertson County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $14,490 needed on a median Robertson County home.
Multi-unit FHA limits in Robertson County
Robertson County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Robertson 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 Robertson County for 2026?
- In Robertson County (Robertson 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 Robertson County with FHA?
- For a median-priced ($414,000) Robertson County home, plan on income around $117,000 at a 31% housing ratio — about $3,030/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Robertson County?
- 3.5% with a 580+ score — roughly $14,490 on a $414,000 Robertson County-area home. Gift funds are allowed.
- Is Robertson County a high-cost FHA area?
- No — Robertson County uses the $541,287 national floor for one unit.