FHA Loan Limits and USDA Eligibility in Tennessee
2026 FHA one-unit limits in Tennessee range from $541,287 to $1,029,250. About 81% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $133,550. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Tennessee
Tennessee one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for Tennessee
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EligibleIneligibleUSDA ineligible boundary
Tennessee FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Anderson County | $541,287 | $122,800 |
| Bedford County | $541,287 | $122,800 |
| Benton County | $541,287 | $122,800 |
| Bledsoe County | $541,287 | $122,800 |
| Blount County | $541,287 | $122,800 |
| Bradley County | $541,287 | $122,800 |
| Campbell County | $541,287 | $122,800 |
| Cannon County | $1,029,250 | $133,550 |
| Carroll County | $541,287 | $122,800 |
| Carter County | $541,287 | $122,800 |
| Cheatham County | $1,029,250 | $133,550 |
| Chester County | $541,287 | $122,800 |
| Claiborne County | $541,287 | $122,800 |
| Clay County | $541,287 | $122,800 |
| Cocke County | $541,287 | $122,800 |
| Coffee County | $541,287 | $122,800 |
| Crockett County | $541,287 | $122,800 |
| Cumberland County | $541,287 | $122,800 |
| Davidson County | $1,029,250 | $133,550 |
| Decatur County | $541,287 | $122,800 |
| DeKalb County | $541,287 | $122,800 |
| Dickson County | $1,029,250 | $133,550 |
| Dyer County | $541,287 | $122,800 |
| Fayette County | $541,287 | $122,800 |
| Fentress County | $541,287 | $122,800 |
| Franklin County | $541,287 | $122,800 |
| Gibson County | $541,287 | $122,800 |
| Giles County | $541,287 | $122,800 |
| Grainger County | $541,287 | $122,800 |
| Greene County | $541,287 | $122,800 |
| Grundy County | $541,287 | $122,800 |
| Hamblen County | $541,287 | $122,800 |
| Hamilton County | $541,287 | $122,800 |
| Hancock County | $541,287 | $122,800 |
| Hardeman County | $541,287 | $122,800 |
| Hardin County | $541,287 | $122,800 |
| Hawkins County | $541,287 | $122,800 |
| Haywood County | $541,287 | $122,800 |
| Henderson County | $541,287 | $122,800 |
| Henry County | $541,287 | $122,800 |
| Hickman County | $1,029,250 | $122,800 |
| Houston County | $541,287 | $122,800 |
| Humphreys County | $541,287 | $122,800 |
| Jackson County | $541,287 | $122,800 |
| Jefferson County | $541,287 | $122,800 |
| Johnson County | $541,287 | $122,800 |
| Knox County | $541,287 | $122,800 |
| Lake County | $541,287 | $122,800 |
| Lauderdale County | $541,287 | $122,800 |
| Lawrence County | $541,287 | $122,800 |
| Lewis County | $541,287 | $122,800 |
| Lincoln County | $541,287 | $122,800 |
| Loudon County | $541,287 | $122,800 |
| Macon County | $1,029,250 | $122,800 |
| Madison County | $541,287 | $122,800 |
| Marion County | $541,287 | $122,800 |
| Marshall County | $541,287 | $122,800 |
| Maury County | $1,029,250 | $122,800 |
| McMinn County | $541,287 | $122,800 |
| McNairy County | $541,287 | $122,800 |
| Meigs County | $541,287 | $122,800 |
| Monroe County | $541,287 | $122,800 |
| Montgomery County | $541,287 | $122,800 |
| Moore County | $541,287 | $122,800 |
| Morgan County | $541,287 | $122,800 |
| Obion County | $541,287 | $122,800 |
| Overton County | $541,287 | $122,800 |
| Perry County | $541,287 | $122,800 |
| Pickett County | $541,287 | $122,800 |
| Polk County | $541,287 | $122,800 |
| Putnam County | $541,287 | $122,800 |
| Rhea County | $541,287 | $122,800 |
| Roane County | $541,287 | $122,800 |
| Robertson County | $1,029,250 | $133,550 |
| Rutherford County | $1,029,250 | $133,550 |
| Scott County | $541,287 | $122,800 |
| Sequatchie County | $541,287 | $122,800 |
| Sevier County | $541,287 | $122,800 |
| Shelby County | $541,287 | $122,800 |
| Smith County | $1,029,250 | $122,800 |
| Stewart County | $541,287 | $122,800 |
| Sullivan County | $541,287 | $122,800 |
| Sumner County | $1,029,250 | $133,550 |
| Tipton County | $541,287 | $122,800 |
| Trousdale County | $1,029,250 | $133,550 |
| Unicoi County | $541,287 | $122,800 |
| Union County | $541,287 | $122,800 |
| Van Buren County | $541,287 | $122,800 |
| Warren County | $541,287 | $122,800 |
| Washington County | $541,287 | $122,800 |
| Wayne County | $541,287 | $122,800 |
| Weakley County | $541,287 | $122,800 |
| White County | $541,287 | $122,800 |
| Williamson County | $1,029,250 | $122,800 |
| Wilson County | $1,029,250 | $122,800 |
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