TN mortgage rates

Coffee County

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

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

About Coffee

A local view of the market.

Coffee County, Tennessee, has seen a dynamic real estate market in 2024. The median home value in the county is approximately $289,716, reflecting a 3.7% increase over the past year. This growth indicates a stable market, with homes typically going to pending status in about 19 days. The county is home to several notable cities, including Tullahoma and Manchester. Tullahoma, with a population of around 19,000, is known for its vibrant community and amenities. Manchester, slightly smaller, hosts the famous Bonnaroo Music Festival and has a population of approximately 10,000 residents. These cities contribute significantly to the county's cultural and economic landscape. Coffee County offers a blend of rural and suburban living, with agriculture playing a significant role in the local economy. The county's top industries include manufacturing and agriculture, attracting individuals seeking a quieter lifestyle with access to suburban conveniences. The area has seen a trend of people moving from urban centers, drawn by the affordable housing and the appeal of a more relaxed, community-focused lifestyle.

County snapshot

Market context.

TN

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

Market areaTullahoma-ManchesterMapped market area
Area code46100CBSA / MSA reference
Featured communityTullahomaFrom the county record
Data year2026Aligned with this limit record
Tullahoma
Top cities & communities

Communities to explore.

Tullahoma
Questions & Answers

Refinancing in Coffee County

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

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