TN mortgage rates

Hardin County

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

Hardin 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 Hardin 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 Hardin

A local view of the market.

Hardin County, Tennessee's real estate market has seen a notable increase in home values over the past year. As of October 2024, the median home sold price was $280,000, reflecting a 16.9% increase from the previous year. The average home value in the county is approximately $204,699, with homes typically going pending in about 61 days. The top cities in Hardin County include Savannah, Counce, and Crump. Savannah, the largest city, has a population of around 6,900 residents and serves as the county seat. Counce is known for its proximity to Pickwick Lake, making it a popular spot for recreation, while Crump is a smaller city with a population of about 1,500. Living in Hardin County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, providing a serene environment for residents. The top industries include agriculture, manufacturing, and tourism, particularly around Pickwick Lake. Many people are drawn to Hardin County for its affordable housing, natural beauty, and the slower pace of rural life, making it an attractive destination for those seeking a quieter lifestyle.

Questions & Answers

Refinancing in Hardin County

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

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