TN mortgage rates

Clay County

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

Clay 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 Clay 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 Clay

A local view of the market.

The real estate market in Clay County, Tennessee, is currently experiencing a neutral phase, with the median home sold price at $236,500 as of October 2024. This represents a significant decrease of 31.4% compared to the previous year. Homes in the area are selling for a median price of $167 per square foot, indicating a market where prices are reasonable and properties tend to stay on the market for a typical duration. Clay County is home to several small towns, with Celina being the county seat. Celina has a population of approximately 1,500 residents, making it one of the larger communities in the area. Other notable towns include Moss and Hermitage Springs, which contribute to the county's rural charm and close-knit community atmosphere. Living in Clay County offers a predominantly rural lifestyle, with agriculture playing a significant role in the local economy. The county's landscape is characterized by farms and open spaces, providing a peaceful environment away from urban hustle. The top industries include agriculture and small-scale manufacturing, attracting individuals seeking a quieter, more self-sustained way of life. Migration patterns suggest that people are moving to Clay County for its affordable housing and the appeal of rural living, which offers a contrast to the busier suburban areas.

Questions & Answers

Refinancing in Clay County

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

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