TN mortgage rates

Lawrence County

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

Lawrence 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 Lawrence 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 Lawrence

A local view of the market.

The real estate market in Lawrence County, Tennessee, is currently considered a buyer's market, with the median home sold price at $274,666 as of October 2024, reflecting a 7.7% increase from the previous year. Homes in the area are selling for an average of $176 per square foot, and the number of homes for sale has slightly increased by 1.6% from the previous month. Lawrence County's top cities include Lawrenceburg, the county seat, which is the largest city with a population of approximately 11,000 residents. Other notable cities are Loretto and Ethridge, which are smaller but contribute to the county's rural charm. These cities are known for their close-knit communities and local amenities that support a comfortable lifestyle. Living in Lawrence County offers a blend of rural and suburban experiences, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as manufacturing and agriculture, attracting individuals seeking a quieter lifestyle away from urban centers. The migration patterns suggest that people are moving to Lawrence County for its affordable housing, scenic landscapes, and the opportunity to engage in agricultural pursuits.

County snapshot

Market context.

TN

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

Market areaLawrenceburgMapped market area
Area code29980CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Lawrence County

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

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