FHA Loan Limits in Sevier County, Tennessee (2026)
In Sevier County — anchored by Sevier 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 Sevier County, from Sevier County outward, and sit alongside the limits set for neighboring Davidson and Shelby Counties.
Affording a home in Sevier County & Sevier County
With Sevier County's median sale price estimated near $341,000 (think Sevier County), the FHA down payment is roughly $11,935. Factoring Tennessee property taxes near 0.66%, expect about $2,517 monthly, pointing to income near $97,000 — above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Sevier County
Here is what an FHA payment looks like at three Sevier County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $246,000 | $8,610 | $1,848 |
| Local median — $341,000 | $11,935 | $2,517 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Sevier County too — get notified.
In Sevier County and the surrounding Sevier County market, FHA's appeal is the math: $11,935 down on a $341,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Sevier County
Looking at a duplex or fourplex near Sevier County? FHA allows up to $692,997 on two units and $1,041,072 on four in Sevier 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 Sevier County for 2026?
- In Sevier County (Sevier 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 Sevier County with FHA?
- For a median-priced ($341,000) Sevier County home, plan on income around $97,000 at a 31% housing ratio — about $2,517/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Sevier County?
- 3.5% with a 580+ score — roughly $11,935 on a $341,000 Sevier County-area home. Gift funds are allowed.
- Is Sevier County a high-cost FHA area?
- No — Sevier County uses the $541,287 national floor for one unit.