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Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Today's Tennessee Mortgage Rates in the HSH Lender Showcase

Tennessee Mortgages

Tennessee is a popular destination for retirees because of its low cost of living and good quality of life. Do you need a mortgage in Tennessee? The Tennessee Department of Financial Institutions regulates Tennessee lenders. To do business in Tennessee, mortgage lenders must meet financial standards, pay a surety bond, and pass a state-conducted investigation. Tennessee mortgage lenders understand Tennessee FHA limits, how to apply USDA rural housing guidelines, and help get borrowers other home ownership assistance. They'll also be able to explain how and why TN mortgage rates differ across loan types and even metro areas.

HSH.com lists licensed Tennessee lenders and current TN mortgage rates. You can use the mortgage payment calculator and other tools to see what kind of loan you might qualify for and how current Tennessee mortgage rates affect your payment.

Tennessee Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2024 Conforming loan limits for Tennessee

Select County
County Name One Family Two Family Three Family Four Family
Anderson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bedford County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Benton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bledsoe County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Blount County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bradley County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Campbell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cannon County One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Carroll County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Carter County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cheatham County One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Chester County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Claiborne County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Clay County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cocke County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Coffee County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Crockett County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cumberland County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Davidson County One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Decatur County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Dekalb County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Dickson County One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Dyer County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Fayette County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Fentress County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Franklin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Gibson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Giles County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Grainger County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Greene County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Grundy County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hamblen County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hamilton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hancock County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hardeman County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hardin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hawkins County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Haywood County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Henderson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Henry County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hickman County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Houston County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Humphreys County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jackson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jefferson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Johnson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Knox County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lake County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lauderdale County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lawrence County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lewis County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lincoln County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Loudon County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Macon County One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Madison County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Marion County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Marshall County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Maury County One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Mcminn County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mcnairy County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Meigs County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Monroe County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Montgomery County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Moore County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Morgan County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Obion County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Overton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Perry County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pickett County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Polk County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Putnam County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Rhea County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Roane County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Robertson County One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Rutherford County One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Scott County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sequatchie County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sevier County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Shelby County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Smith County One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Stewart County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sullivan County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sumner County One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Tipton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Trousdale County One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Unicoi County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Union County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Van Buren County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Warren County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Washington County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wayne County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Weakley County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
White County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Williamson County One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500
Wilson County One Family$943,000 Two Family$1,207,200 Three Family$1,459,250 Four Family$1,813,500

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates
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