Tennessee conforming loan limits 2026
Tennessee has 95 counties. 14 of them sit on a figure above the $832,750 baseline, spread over 1 distinct figure; the highest in the state is $1,029,250.
14 of its 95 counties qualify for a high-cost figure above the $832,750 baseline. For 2026, the figure moved in 95 of its 95 counties and 0 stayed the same.
Tennessee ranks 10th of 56 jurisdictions by county count, and 19th by highest limit. Of its counties, 66 sit inside a metropolitan or micropolitan area, across 27 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
Highest limit in state
$1,029,250
Counties above baseline
14
Distinct figures
1
each figure is set for a whole area
Figures used in Tennessee
- $1,029,250 — 14 counties in Tennessee
All counties in Tennessee
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Anderson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bedford County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Benton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bledsoe County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Blount County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bradley County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Campbell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cannon County | $1,029,250 | $989,000 | $943,000 | +4.1% | 14 in all |
| Carroll County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Carter County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cheatham County | $1,029,250 | $989,000 | $943,000 | +4.1% | 14 in all |
| Chester County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Claiborne County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clay County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cocke County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Coffee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Crockett County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cumberland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Davidson County | $1,029,250 | $989,000 | $943,000 | +4.1% | 14 in all |
| Decatur County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dekalb County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dickson County | $1,029,250 | $989,000 | $943,000 | +4.1% | 14 in all |
| Dyer County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Fayette County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Fentress County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Franklin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gibson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Giles County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grainger County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Greene County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grundy County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hamblen County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hamilton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hancock County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hardeman County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hardin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hawkins County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Haywood County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Henderson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Henry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hickman County | $1,029,250 | $806,500 | $766,550 | +27.6% | 14 in all |
| Houston County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Humphreys County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jackson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jefferson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Johnson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Knox County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lake County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lauderdale County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lawrence County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lewis County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lincoln County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Loudon County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Macon County | $1,029,250 | $989,000 | $943,000 | +4.1% | 14 in all |
| Madison County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Marion County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Marshall County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Maury County | $1,029,250 | $989,000 | $943,000 | +4.1% | 14 in all |
| Mcminn County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mcnairy County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Meigs County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Monroe County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Montgomery County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Moore County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Morgan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Obion County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Overton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Perry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pickett County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Polk County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Putnam County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rhea County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Roane County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Robertson County | $1,029,250 | $989,000 | $943,000 | +4.1% | 14 in all |
| Rutherford County | $1,029,250 | $989,000 | $943,000 | +4.1% | 14 in all |
| Scott County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sequatchie County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sevier County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Shelby County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Smith County | $1,029,250 | $989,000 | $943,000 | +4.1% | 14 in all |
| Stewart County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sullivan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sumner County | $1,029,250 | $989,000 | $943,000 | +4.1% | 14 in all |
| Tipton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Trousdale County | $1,029,250 | $989,000 | $943,000 | +4.1% | 14 in all |
| Unicoi County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Union County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Van Buren County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Warren County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Washington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wayne County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Weakley County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| White County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Williamson County | $1,029,250 | $989,000 | $943,000 | +4.1% | 14 in all |
| Wilson County | $1,029,250 | $989,000 | $943,000 | +4.1% | 14 in all |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of Tennessee use the baseline conforming loan limit?
No. 14 of 95 counties are above the $832,750 baseline, and the state's highest limit is $1,029,250.
What counts as a jumbo loan in Tennessee?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.