FHA Loan Limits in Rutherford County, Tennessee (2026)
Rutherford County and the rest of Rutherford 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 |
These 2026 limits apply throughout Rutherford County, from Rutherford County outward, and sit alongside the limits set for neighboring Davidson and Shelby Counties.
How much home can you afford in Rutherford County?
An FHA buyer near Rutherford County faces an estimated $420,000 median, a $14,700 down payment, and — after Tennessee's 0.66% property tax — a monthly cost around $3,073. That suits household income of roughly $119,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Rutherford County
FHA payments across Rutherford County price points — from entry homes near Rutherford County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $302,000 | $10,570 | $2,242 |
| Local median — $420,000 | $14,700 | $3,073 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Rutherford County too — get notified.
In Rutherford County and the surrounding Rutherford County market, FHA's appeal is the math: $14,700 down on a $420,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Rutherford County
Rutherford County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Rutherford 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 Rutherford County for 2026?
- In Rutherford County (Rutherford 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 Rutherford County with FHA?
- For a median-priced ($420,000) Rutherford County home, plan on income around $119,000 at a 31% housing ratio — about $3,073/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Rutherford County?
- 3.5% with a 580+ score — roughly $14,700 on a $420,000 Rutherford County-area home. Gift funds are allowed.
- Is Rutherford County a high-cost FHA area?
- No — Rutherford County uses the $541,287 national floor for one unit.