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Up for the quarter, down for the year? See what's happening with home affordability in our latest "Income you need to buy a home in the top 50 metro areas".

Up for the quarter, down for the year? See what's happening with home affordability in our latest "Income you need to buy a home in the top 50 metro areas".

Current FHA Mortgage Rates in TN - Tennessee FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Tennessee Mortgages

2023 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 2023 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$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bedford One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Benton One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bledsoe One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Blount One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bradley One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Campbell One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Cannon One Family$890,100 Two Family$1,139,500 Three Family$1,377,400 Four Family$1,711,750
Carroll One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Carter One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Cheatham One Family$890,100 Two Family$1,139,500 Three Family$1,377,400 Four Family$1,711,750
Chester One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Claiborne One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Clay One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Cocke One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Coffee One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Crockett One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Cumberland One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Davidson One Family$890,100 Two Family$1,139,500 Three Family$1,377,400 Four Family$1,711,750
Decatur One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Dekalb One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Dickson One Family$890,100 Two Family$1,139,500 Three Family$1,377,400 Four Family$1,711,750
Dyer One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Fayette One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Fentress One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Franklin One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Gibson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Giles One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Grainger One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Greene One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Grundy One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Hamblen One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Hamilton One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Hancock One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Hardeman One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Hardin One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Hawkins One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Haywood One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Henderson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Henry One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Hickman One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Houston One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Humphreys One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Jackson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Jefferson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Johnson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Knox One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lake One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lauderdale One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lawrence One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lewis One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lincoln One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Loudon One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Macon One Family$890,100 Two Family$1,139,500 Three Family$1,377,400 Four Family$1,711,750
Madison One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Marion One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Marshall One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Maury One Family$890,100 Two Family$1,139,500 Three Family$1,377,400 Four Family$1,711,750
Mcminn One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Mcnairy One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Meigs One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Monroe One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Montgomery One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Moore One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Morgan One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Obion One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Overton One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Perry One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Pickett One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Polk One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Putnam One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Rhea One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Roane One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Robertson One Family$890,100 Two Family$1,139,500 Three Family$1,377,400 Four Family$1,711,750
Rutherford One Family$890,100 Two Family$1,139,500 Three Family$1,377,400 Four Family$1,711,750
Scott One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Sequatchie One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Sevier One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Shelby One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Smith One Family$890,100 Two Family$1,139,500 Three Family$1,377,400 Four Family$1,711,750
Stewart One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Sullivan One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Sumner One Family$890,100 Two Family$1,139,500 Three Family$1,377,400 Four Family$1,711,750
Tipton One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Trousdale One Family$890,100 Two Family$1,139,500 Three Family$1,377,400 Four Family$1,711,750
Unicoi One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Union One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Van Buren One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Warren One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Washington One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Wayne One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Weakley One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
White One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Williamson One Family$890,100 Two Family$1,139,500 Three Family$1,377,400 Four Family$1,711,750
Wilson One Family$890,100 Two Family$1,139,500 Three Family$1,377,400 Four Family$1,711,750

Mortgage Rates by State

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