TN mortgage rates

Henderson County

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

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Henderson 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.

View all Tennessee counties
Refinance Payment Estimate

Estimate Your Refinance in Henderson 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 Henderson

A local view of the market.

The real estate market in Henderson County, Tennessee, has seen significant growth over the past year. As of October 2024, the median home list price is $284,900, marking a 42.8% increase from the previous year. The median price per square foot is $160, reflecting the county's rising property values and demand. Henderson County includes several notable cities, with Lexington being the largest. Lexington serves as the county seat and has a population of approximately 7,800 residents. Other important towns include Sardis and Scotts Hill, which contribute to the county's diverse community and local economy. Living in Henderson County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture and farming. The area is known for its scenic landscapes and agricultural activities, which are central to the local economy. Many residents are drawn to the county for its peaceful rural environment and the opportunity for a suburban lifestyle, making it an attractive destination for those seeking a quieter, community-oriented way of life. The top industries include agriculture, manufacturing, and retail, which support the local economy and provide employment opportunities.

Questions & Answers

Refinancing in Henderson County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.