FHA Loan Limits in Sumner County, Tennessee (2026)
Buying in Sumner County or elsewhere in Sumner 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 Sumner County to the edges of Sumner County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Davidson and Shelby Counties.
FHA affordability around Sumner County
An FHA buyer near Sumner County faces an estimated $390,000 median, a $13,650 down payment, and — after Tennessee's 0.66% property tax — a monthly cost around $2,861. That suits household income of roughly $111,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Sumner County
FHA payments across Sumner County price points — from entry homes near Sumner County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $281,000 | $9,835 | $2,094 |
| Local median — $390,000 | $13,650 | $2,861 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Sumner County too — get notified.
First-time buyers make up much of FHA activity in Sumner County and across Sumner County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,650 needed on a median Sumner County home.
Multi-unit FHA limits in Sumner County
Sumner County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Sumner 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 Sumner County for 2026?
- In Sumner County (Sumner 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 Sumner County with FHA?
- For a median-priced ($390,000) Sumner County home, plan on income around $111,000 at a 31% housing ratio — about $2,861/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Sumner County?
- 3.5% with a 580+ score — roughly $13,650 on a $390,000 Sumner County-area home. Gift funds are allowed.
- Is Sumner County a high-cost FHA area?
- No — Sumner County uses the $541,287 national floor for one unit.