TN mortgage rates

Mcminn County

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

Mcminn 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 Mcminn 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 Mcminn

A local view of the market.

The real estate market in McMinn County, Tennessee, has seen a modest increase in home values over the past year. As of October 2024, the median home sold price was $265,000, reflecting a 4.3% rise from the previous year. The county is currently considered a buyer's market, with homes typically selling for less than the asking price and staying on the market longer. McMinn County is home to several notable cities, with Athens being the largest and serving as the county seat. Athens has a population of approximately 14,099, making it the most populous city in the county. Other significant cities include Etowah, with a population of 3,602, and Englewood, which has about 1,479 residents. Living in McMinn County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is known for its agricultural activities, including cattle farming and crop production. Major industries in the area include manufacturing and healthcare, which provide numerous employment opportunities. The county's appeal lies in its affordable housing and the peaceful, rural environment, attracting those looking to escape the hustle and bustle of urban life.

County snapshot

Market context.

TN

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

Market areaAthensMapped market area
Area code11940CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Mcminn County

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

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