Tennessee 2022 conforming loan limit $715,000
The increased Tennessee 2022 conforming loan limits to $715,000 is for mortgage brokers and not most Retail lenders. We are now offering Tennessee 2022 county loan limits up to $715,000 on all Tennessee conventional loans. effective as of 9/07/2022 We expect the Federal housing officials to be announcing the official change later this year and it’s likely that FHFA’s 2023 conforming loan limit will be higher than $715,000.
Currently, for 2022, Tennessee county loan limits with a conforming loan limit of $766,550 for a single-family home, will be raised to $715,000. There is speculation that the 2023 conforming loan limit will be close to $760,000, based on year-over-year house price growth through the first quarter of the year.
With Tennessee home prices going up there have been a lot of people who were hitting those conforming loan limits very early, and probably in counties and states where you wouldn’t think home buyers would need a jumbo loan!
You’ll notice that most Tennessee counties have a 2022 conforming loan limit of $647,250 for a single-family home. Higher priced areas such as Cannon, Cheatham, Davidson, Dickson, Macon, Maury, Robertson, Rutherford, Smith, Sumner, Trousdale, Williamson, and Wilson Counties have loan limits of 694,600. This is due to higher home prices in the area.
See the table below for 2022 conforming loan limits in all Tennessee counties.
Tennessee Conforming Loan Limits 2023 for All Counties
The Conforming loan limits for 2023 have not been released, in anticipation of this change, effective as of 9/07/2022 we are now offering Tennessee conventional loan limits up to $715,000 on al Tennessee conventional loans. Because conforming loan limits are set using a formula mandated by federal law, lenders can anticipate what the FHFA will announce later this year as the numbers for 2023.
The table below contains the 2022 conforming limits for all counties in Tennessee, listed in alphabetical order. In this table, “1 unit” refers to a single-family home, “2 unit” refers to a duplex-style home with two separate residents, and so on.
| County | 1 Unit | 2 Units | 3 Units | 4 Units |
| ANDERSON COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| BEDFORD COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| BENTON COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| BLEDSOE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| BLOUNT COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| BRADLEY COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| CAMPBELL COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| CANNON COUNTY | $694,600 | $889,200 | $1,074,850 | $1,335,800 |
| CARROLL COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| CARTER COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| CHEATHAM COUNTY | $694,600 | $889,200 | $1,074,850 | $1,335,800 |
| CHESTER COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| CLAIBORNE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| CLAY COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| COCKE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| COFFEE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| CROCKETT COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| CUMBERLAND COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| DAVIDSON COUNTY | $694,600 | $889,200 | $1,074,850 | $1,335,800 |
| DECATUR COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| DEKALB COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| DICKSON COUNTY | $694,600 | $889,200 | $1,074,850 | $1,335,800 |
| DYER COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| FAYETTE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| FENTRESS COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| FRANKLIN COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| GIBSON COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| GILES COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| GRAINGER COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| GREENE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| GRUNDY COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| HAMBLEN COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| HAMILTON COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| HANCOCK COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| HARDEMAN COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| HARDIN COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| HAWKINS COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| HAYWOOD COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| HENDERSON COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| HENRY COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| HICKMAN COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| HOUSTON COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| HUMPHREYS COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| JACKSON COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| JEFFERSON COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| JOHNSON COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| KNOX COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| LAKE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| LAUDERDALE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| LAWRENCE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| LEWIS COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| LINCOLN COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| LOUDON COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MCMINN COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MCNAIRY COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MACON COUNTY | $694,600 | $889,200 | $1,074,850 | $1,335,800 |
| MADISON COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MARION COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MARSHALL COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MAURY COUNTY | $694,600 | $889,200 | $1,074,850 | $1,335,800 |
| MEIGS COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MONROE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MONTGOMERY COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MOORE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| MORGAN COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| OBION COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| OVERTON COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| PERRY COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| PICKETT COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| POLK COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| PUTNAM COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| RHEA COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| ROANE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| ROBERTSON COUNTY | $694,600 | $889,200 | $1,074,850 | $1,335,800 |
| RUTHERFORD COUNTY | $694,600 | $889,200 | $1,074,850 | $1,335,800 |
| SCOTT COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| SEQUATCHIE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| SEVIER COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| SHELBY COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| SMITH COUNTY | $694,600 | $889,200 | $1,074,850 | $1,335,800 |
| STEWART COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| SULLIVAN COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| SUMNER COUNTY | $694,600 | $889,200 | $1,074,850 | $1,335,800 |
| TIPTON COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| TROUSDALE COUNTY | $694,600 | $889,200 | $1,074,850 | $1,335,800 |
| UNICOI COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| UNION COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| VAN BUREN COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| WARREN COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| WASHINGTON COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| WAYNE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| WEAKLEY COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| WHITE COUNTY | $766,550 | $828,700 | $1,001,650 | $1,244,850 |
| WILLIAMSON COUNTY | $694,600 | $889,200 | $1,074,850 | $1,335,800 |
| WILSON COUNTY | $694,600 | $889,200 | $1,074,850 | $1,335,800 |
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