FHA Loan Limits in Williamson County, Tennessee (2026)
Williamson County and the rest of Williamson 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 Williamson County to the edges of Williamson 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 Williamson County?
Homes around Williamson County carry an estimated local median near $760,000, so an FHA buyer in Williamson County puts down about $18,945 (3.5%). With Tennessee's 0.66% effective property-tax rate, the all-in payment runs near $3,926 a month — comfortable on household income around $152,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Williamson County
Here is what an FHA payment looks like at three Williamson County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $547,000 | $19,145 | $3,966 |
| Local median — $541,287 | $18,945 | $3,926 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Williamson County too — get notified.
First-time buyers make up much of FHA activity in Williamson County and across Williamson County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,945 needed on a median Williamson County home.
Multi-unit FHA limits in Williamson County
Looking at a duplex or fourplex near Williamson County? FHA allows up to $692,997 on two units and $1,041,072 on four in Williamson 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 Williamson County for 2026?
- In Williamson County (Williamson 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 Williamson County with FHA?
- For a median-priced ($541,287) Williamson County home, plan on income around $152,000 at a 31% housing ratio — about $3,926/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Williamson County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Williamson County-area home. Gift funds are allowed.
- Is Williamson County a high-cost FHA area?
- No — Williamson County uses the $541,287 national floor for one unit.