TN mortgage rates

Montgomery County

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

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Montgomery 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.

View all Tennessee counties
Refinance Payment Estimate

Estimate Your Refinance in Montgomery 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 Montgomery

A local view of the market.

The real estate market in Montgomery County, Tennessee, has seen a steady increase in property values. As of October 2024, the median home sold price was $310,856, reflecting a 3.6% increase from the previous year. The area remains a seller's market, with homes selling relatively quickly and often close to the asking price. Montgomery County includes several notable cities, with Clarksville being the largest. Clarksville has a population of approximately 166,722 and serves as a major hub for the county. Other significant cities include Woodlawn, Cunningham, and Southside, each contributing to the county's diverse community and economic landscape. Living in Montgomery County offers a mix of rural and suburban experiences. The county is known for its agricultural roots, with farming and agriculture playing a significant role in the local economy. Suburban life is also prominent, particularly in areas closer to Clarksville. The presence of Fort Campbell, a major military base, influences migration patterns, attracting military families and contributing to the county's growth. Key industries include healthcare, education, and retail, making Montgomery County an appealing destination for those seeking a balanced lifestyle between urban amenities and rural charm.

County snapshot

Market context.

TN

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

Market areaClarksvilleMapped market area
Area code17300CBSA / MSA reference
Featured communityClarksvilleFrom the county record
Data year2026Aligned with this limit record
Clarksville
Top cities & communities

Communities to explore.

Clarksville
Questions & Answers

Refinancing in Montgomery County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.