TN mortgage rates

Bedford County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Bedford 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

Bedford 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 Bedford 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 Bedford

A local view of the market.

Bedford County, Tennessee, has seen a steady increase in real estate values. As of October 2024, the median home sold price was approximately $319,998, reflecting a 4.9% increase from the previous year. The housing market is currently considered a buyer's market, with homes staying on the market longer and prices being more negotiable. The county includes several notable cities, with Shelbyville being the largest, boasting a population of around 21,000 residents. Other significant towns include Bell Buckle, known for its historic charm, and Wartrace, each contributing to the county's diverse community landscape. Living in Bedford County offers a blend of rural and suburban experiences. The area is characterized by its agricultural roots, with many farms and open spaces, yet it also provides suburban conveniences. The top industries include manufacturing and agriculture, attracting new residents seeking a quieter lifestyle with access to urban amenities. The county's appeal lies in its balance of rural charm and suburban growth, drawing people who are looking to escape the hustle of city life while still enjoying modern comforts.

County snapshot

Market context.

TN

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

Market areaShelbyvilleMapped market area
Area code43180CBSA / MSA reference
Featured communityShelbyvilleFrom the county record
Data year2026Aligned with this limit record
Shelbyville
Top cities & communities

Communities to explore.

Shelbyville
Questions & Answers

Refinancing in Bedford County

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

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