TN mortgage rates

Hamilton County

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

Hamilton 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 Hamilton 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 Hamilton

A local view of the market.

The real estate market in Hamilton County, Tennessee, is currently a seller's market, with the median home sold price reaching $369,887 in October 2024. This represents a 5.6% increase from the previous year, with homes selling at an average of $201 per square foot. The market has seen a slight decrease in the number of homes for sale, with 2,752 homes available, down 0.9% from the previous month. Hamilton County includes several prominent cities, with Chattanooga being the largest. Chattanooga has a population of approximately 181,000 people and is known for its vibrant downtown and scenic beauty. Other notable cities include East Ridge, with a population of around 21,000, and Collegedale, home to about 11,000 residents, known for its community-oriented atmosphere and proximity to educational institutions. Living in Hamilton County offers a mix of suburban and rural lifestyles. The county is characterized by its suburban neighborhoods, particularly in areas like Ooltewah and Hixson, while more rural settings can be found in the outskirts. Agriculture plays a role in the local economy, but the top industries include healthcare, manufacturing, and education. The county attracts new residents due to its affordable cost of living, scenic landscapes, and growing job market, making it an appealing destination for those seeking a balanced lifestyle between urban amenities and rural tranquility.

County snapshot

Market context.

TN

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

Market areaChattanoogaMapped market area
Area code16860CBSA / MSA reference
Featured communitiesChattanooga · East RidgeFrom the county record
Data year2026Aligned with this limit record
ChattanoogaEast Ridge
Top cities & communities

Communities to explore.

ChattanoogaEast Ridge
Questions & Answers

Refinancing in Hamilton County

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

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