TN mortgage rates

Anderson County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Anderson County, Tennessee. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Anderson County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Anderson County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Anderson

A local view of the market.

The real estate market in Anderson County, Tennessee, is currently experiencing a seller's market, with median home prices reaching $335,000 as of October 2024, reflecting an 11.7% increase from the previous year. The median price per square foot stands at $189, indicating a robust demand for housing in the area. The top cities in Anderson County include Oak Ridge, Clinton, and Norris. Oak Ridge is the largest city with a population of approximately 31,455, followed by Clinton with 10,065 residents, and Norris with a smaller population of around 1,605. Living in Anderson County offers a mix of rural and suburban environments, with a significant portion of the area dedicated to agriculture and residential life. The county's economy is supported by industries such as manufacturing, with companies like SL Tennessee and 3M having a presence. The cost of living is notably lower than the national average, making it an attractive destination for those seeking affordable living conditions. The county's scenic rural landscapes and proximity to urban amenities contribute to its appeal for new residents.

County snapshot

Market context.

TN

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaKnoxvilleMapped market area
Area code28940CBSA / MSA reference
Featured communityOak RidgeFrom the county record
Data year2026Aligned with this limit record
Oak Ridge
Top cities & communities

Communities to explore.

Oak Ridge
Questions & Answers

Refinancing in Anderson County

Common questions about 2026 loan limits and refinancing opportunities in Tennessee.

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