TN mortgage rates

Johnson County

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

Johnson 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 Johnson 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 Johnson

A local view of the market.

The real estate market in Johnson County, Tennessee, is currently characterized as a buyer's market, with the median home sold price at $275,000 as of October 2024. This represents a 3.1% increase from the previous year, with homes selling at an average price of $167 per square foot. The market conditions suggest that homes are staying on the market longer, providing potential buyers with more negotiating power. Johnson County encompasses several small towns and communities, with Mountain City being the largest and serving as the county seat. Mountain City has a population of approximately 2,500 residents. Other notable areas include Butler and Shady Valley, which are known for their scenic landscapes and rural charm. These communities contribute to the county's overall rural and small-town atmosphere, attracting those looking for a quieter lifestyle. Living in Johnson County offers a predominantly rural experience, with agriculture playing a significant role in the local economy. The county is known for its farming and agricultural activities, alongside some suburban development in areas closer to Mountain City. The top industries include agriculture, manufacturing, and tourism, with the latter driven by the county's natural beauty and outdoor recreational opportunities. People may be moving to Johnson County for its affordable real estate, peaceful rural environment, and the appeal of a close-knit community lifestyle.

County snapshot

Market context.

TN

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

Market areaNon-MetroCounty outside a metro area
Featured communitiesJohnson · Johnson From the county record
Data year2026Aligned with this limit record
JohnsonJohnson
Top cities & communities

Communities to explore.

Johnson
Questions & Answers

Refinancing in Johnson County

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

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