TN mortgage rates

Cocke County

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

Cocke 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 Cocke 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 Cocke

A local view of the market.

The real estate market in Cocke County, Tennessee, is currently a buyer's market, with the median home sold price at $252,500 as of October 2024, reflecting a 6.4% increase from the previous year. Homes in the county have a median price per square foot of $177, and the market has seen a decrease in the number of homes for sale by 14.4% from the previous month. Cocke County includes several notable cities, with Newport being the largest, serving as the county seat and a central hub for commerce and culture. Other significant towns include Parrottsville and Cosby, which are known for their small-town charm and proximity to natural attractions like the Great Smoky Mountains. These towns contribute to the county's overall rural character while offering a glimpse into local life and community spirit. Living in Cocke County offers a predominantly rural lifestyle, with a mix of agricultural and suburban areas. The county's economy is supported by industries such as agriculture, manufacturing, and tourism, particularly due to its proximity to the Great Smoky Mountains National Park. People are drawn to Cocke County for its scenic landscapes, affordable housing, and the appeal of a quieter, more relaxed lifestyle compared to urban centers. The migration patterns suggest a growing interest in rural living, driven by the desire for more space and a connection to nature.

County snapshot

Market context.

TN

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

Market areaNewportMapped market area
Area code35460CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Cocke County

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

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