TN mortgage rates

Grainger County

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

Grainger 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 Grainger 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 Grainger

A local view of the market.

The real estate market in Grainger County, Tennessee, is experiencing a dynamic phase with a median home value of approximately $268,244, reflecting a 9.2% increase over the past year. The market is considered neutral, with homes typically staying on the market for about 75 days. Grainger County comprises several small towns, with Rutledge and Bean Station being among the most notable. Rutledge, the county seat, has a population of around 1,200, while Bean Station has about 3,000 residents. These towns offer a blend of rural charm and community-focused living. Living in Grainger County offers a predominantly rural lifestyle, with agriculture playing a significant role in the local economy. The area is known for its scenic landscapes and farming communities, attracting those seeking a quieter, more laid-back lifestyle. The county's proximity to larger cities like Knoxville also makes it appealing for those looking to escape urban life while still having access to city amenities. This has contributed to a trend of people moving to the county for its affordable housing and peaceful environment.

County snapshot

Market context.

TN

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

Market areaMorristownMapped market area
Area code34100CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Grainger County

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

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