TN mortgage rates

Benton County

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

Benton 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 Benton 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 Benton

A local view of the market.

The real estate market in Benton County, Tennessee, is currently characterized as a buyer's market, with the median home sold price at $230,000 as of October 2024. This represents a slight decrease of 1.1% from the previous year. The median price per square foot is $144, indicating a stable market environment where homes tend to stay on the market longer, offering potential buyers more negotiation leverage. Camden is the largest city in Benton County, serving as the county seat with a population of approximately 3,674 as of the 2020 census. Other notable communities include Big Sandy and Holladay, which contribute to the county's rural charm and small-town atmosphere. Living in Benton County offers a predominantly rural experience, with agriculture and tourism being the main economic drivers. The county provides a mix of farmland and suburban living, attracting those who appreciate a quieter lifestyle away from urban centers. The presence of industries such as the Tennessee Valley Authority and the DuPont plant in nearby areas also supports local employment, making Benton County appealing for those seeking a balance between rural tranquility and job opportunities.

Questions & Answers

Refinancing in Benton County

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

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