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Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Current FHA Mortgage Rates in TN - Tennessee FHA Mortgage

Tennessee Mortgages

2025 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 2025 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$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bedford One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Benton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bledsoe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Blount One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bradley One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Campbell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cannon One Family$989,000 Two Family$1,266,100 Three Family$1,530,450 Four Family$1,901,950
Carroll One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Carter One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cheatham One Family$989,000 Two Family$1,266,100 Three Family$1,530,450 Four Family$1,901,950
Chester One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Claiborne One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clay One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cocke One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Coffee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Crockett One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cumberland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Davidson One Family$989,000 Two Family$1,266,100 Three Family$1,530,450 Four Family$1,901,950
Decatur One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dekalb One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dickson One Family$989,000 Two Family$1,266,100 Three Family$1,530,450 Four Family$1,901,950
Dyer One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fayette One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fentress One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Franklin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Gibson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Giles One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grainger One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Greene One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grundy One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hamblen One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hamilton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hancock One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hardeman One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hardin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hawkins One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Haywood One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Henderson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Henry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hickman One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Houston One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Humphreys One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jackson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jefferson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Johnson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Knox One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lake One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lauderdale One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lawrence One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lewis One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lincoln One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Loudon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Macon One Family$989,000 Two Family$1,266,100 Three Family$1,530,450 Four Family$1,901,950
Madison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marion One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marshall One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Maury One Family$989,000 Two Family$1,266,100 Three Family$1,530,450 Four Family$1,901,950
Mcminn One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mcnairy One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Meigs One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Monroe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Montgomery One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Moore One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Morgan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Obion One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Overton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Perry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pickett One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Polk One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Putnam One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rhea One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Roane One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Robertson One Family$989,000 Two Family$1,266,100 Three Family$1,530,450 Four Family$1,901,950
Rutherford One Family$989,000 Two Family$1,266,100 Three Family$1,530,450 Four Family$1,901,950
Scott One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sequatchie One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sevier One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Shelby One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Smith One Family$989,000 Two Family$1,266,100 Three Family$1,530,450 Four Family$1,901,950
Stewart One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sullivan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sumner One Family$989,000 Two Family$1,266,100 Three Family$1,530,450 Four Family$1,901,950
Tipton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Trousdale One Family$989,000 Two Family$1,266,100 Three Family$1,530,450 Four Family$1,901,950
Unicoi One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Union One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Van Buren One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Warren One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wayne One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Weakley One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
White One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Williamson One Family$989,000 Two Family$1,266,100 Three Family$1,530,450 Four Family$1,901,950
Wilson One Family$989,000 Two Family$1,266,100 Three Family$1,530,450 Four Family$1,901,950

Mortgage Rates by State

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