TN mortgage rates

Macon County

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

Macon County

Conforming Loan Limits

Per property
1 unit$1,029,250
2 units$1,317,650
3 units$1,592,700
4 units$1,979,350

FHA Loan Limits

Per property
1 unit$1,029,250
2 units$1,317,650
3 units$1,592,700
4 units$1,979,350

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 Macon 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 Macon

A local view of the market.

The real estate market in Macon County, Tennessee, is currently characterized as a buyer's market, with a median home price of $267,000 as of October 2024. This represents a 4.3% increase from the previous year. Homes in the area are selling at an average price of $165 per square foot, and the market has seen a notable increase in the number of homes for sale, with a 21.6% rise in inventory compared to the previous month. Lafayette is the largest city in Macon County and serves as the county seat. It has a population of approximately 5,000 residents. Another notable community in the county is Red Boiling Springs, known for its historic mineral springs and small-town charm, with a population of around 1,100 people. These cities contribute to the county's rural character and offer a glimpse into the local lifestyle. Macon County is predominantly rural, with a strong emphasis on agriculture and farming. The area is known for its scenic landscapes and agricultural activities, which play a significant role in the local economy. Many residents are drawn to the county for its peaceful rural lifestyle, affordable housing, and the opportunity to engage in farming or enjoy the natural surroundings. The county's proximity to larger cities like Nashville also makes it an attractive option for those seeking a quieter suburban life while still having access to urban amenities.

County snapshot

Market context.

TN

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

Market areaNashville-Davidson--Murfreesboro--FranklinMapped market area
Area code34980CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Macon County

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

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