FHA Loan Limits in Wilson County, Tennessee (2026)
Buying in Wilson County or elsewhere in Wilson 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 |
Every community in Wilson County — Wilson County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Davidson and Shelby Counties.
FHA affordability around Wilson County
Homes around Wilson County carry an estimated local median near $351,000, so an FHA buyer in Wilson County puts down about $12,285 (3.5%). With Tennessee's 0.66% effective property-tax rate, the all-in payment runs near $2,587 a month — comfortable on household income around $100,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Wilson County
Here is what an FHA payment looks like at three Wilson County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $253,000 | $8,855 | $1,897 |
| Local median — $351,000 | $12,285 | $2,587 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Wilson County too — get notified.
Buyers across Wilson County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,285 down payment near Wilson County into little out of pocket.
Multi-unit FHA limits in Wilson County
Looking at a duplex or fourplex near Wilson County? FHA allows up to $692,997 on two units and $1,041,072 on four in Wilson County, with the same low 3.5% down for owner-occupants.
Get FHA Rate & Program Alerts
Join the free FHA Notification Program — we watch rates, requirements, and new programs so you do not have to.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Wilson County for 2026?
- In Wilson County (Wilson 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 Wilson County with FHA?
- For a median-priced ($351,000) Wilson County home, plan on income around $100,000 at a 31% housing ratio — about $2,587/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Wilson County?
- 3.5% with a 580+ score — roughly $12,285 on a $351,000 Wilson County-area home. Gift funds are allowed.
- Is Wilson County a high-cost FHA area?
- No — Wilson County uses the $541,287 national floor for one unit.