TN mortgage rates

Jefferson County

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

Jefferson 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 Jefferson 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 Jefferson

A local view of the market.

The real estate market in Jefferson County, Tennessee, is currently experiencing a buyer's market, with the median home sold price reaching $365,000 in October 2024, marking a 19% increase from the previous year. The median price per square foot is $189, indicating a significant appreciation in property values over the past year. Jefferson County is home to several notable cities, including Dandridge, Jefferson City, and White Pine. Dandridge, the county seat, has a population of approximately 3,000 residents and is known for its historic charm and proximity to Douglas Lake. Jefferson City, with a population of around 8,000, hosts Carson-Newman University and offers a blend of educational and recreational opportunities. White Pine, with about 2,200 residents, is a small community that provides a quiet suburban lifestyle. Living in Jefferson County offers a mix 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 peaceful rural setting, while suburban areas offer modern amenities and conveniences. Key industries include agriculture, education, and healthcare, attracting residents seeking a balance between rural tranquility and suburban convenience. The county's appeal is enhanced by its scenic beauty and outdoor recreational opportunities, making it an attractive destination for those relocating from urban areas.

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 Jefferson County

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

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