TN mortgage rates

Madison County

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

Madison 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 Madison 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 Madison

A local view of the market.

Madison County, Tennessee, has a dynamic real estate market with a median listing home price of $299,900 as of October 2024, reflecting a 2.4% increase from the previous year. The median price per square foot stands at $154, and homes typically sell for around $244,700. This indicates a slight upward trend in property values, making it a competitive market for buyers and sellers alike. The county's largest city, Jackson, has a population of approximately 67,000 and serves as the economic and cultural hub of the area. Other notable cities include Three Way, with a smaller population, and Beech Bluff, known for its more rural setting. These cities offer diverse living environments, from urban to rural, catering to different lifestyle preferences. Living in Madison County offers a mix of suburban and rural experiences, with agriculture playing a significant role in the local economy. The county's top industries include healthcare, education, and manufacturing, which attract new residents seeking employment opportunities. The area's affordable housing and quality of life make it an appealing destination for those looking to relocate, contributing to ongoing real estate migration into the county.

County snapshot

Market context.

TN

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

Market areaJacksonMapped market area
Area code27180CBSA / MSA reference
Featured communityJacksonFrom the county record
Data year2026Aligned with this limit record
Jackson
Top cities & communities

Communities to explore.

Jackson
Questions & Answers

Refinancing in Madison County

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

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