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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in TN - Tennessee FHA Mortgage

Tennessee Mortgages

2024 FHA Loan Limits for Tennessee

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Tennessee are below.

Select County
County Name One Family Two Family Three Family Four Family
Anderson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bedford One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Benton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bledsoe One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Blount One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bradley One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Campbell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cannon One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Carroll One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Carter One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cheatham One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Chester One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Claiborne One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clay One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cocke One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Coffee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Crockett One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cumberland One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Davidson One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Decatur One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dekalb One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dickson One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Dyer One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fayette One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fentress One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Franklin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Gibson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Giles One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grainger One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Greene One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grundy One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hamblen One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hamilton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hancock One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hardeman One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hardin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hawkins One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Haywood One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Henderson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Henry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hickman One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Houston One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Humphreys One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jackson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jefferson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Johnson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Knox One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lake One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lauderdale One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lawrence One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lewis One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lincoln One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Loudon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Macon One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Madison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marion One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marshall One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Maury One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Mcminn One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mcnairy One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Meigs One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Monroe One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Montgomery One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Moore One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Morgan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Obion One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Overton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Perry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pickett One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Polk One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Putnam One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Rhea One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Roane One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Robertson One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Rutherford One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Scott One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sequatchie One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sevier One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Shelby One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Smith One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Stewart One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sullivan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sumner One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Tipton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Trousdale One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Unicoi One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Union One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Van Buren One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Warren One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Washington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wayne One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Weakley One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
White One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Williamson One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Wilson One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500

Mortgage Rates by State

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