TN mortgage rates

Morgan County

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

Morgan 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 Morgan 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 Morgan

A local view of the market.

Morgan County, Tennessee, has a diverse real estate market with a median listing home price of $325,000 as of October 2024, which reflects a decrease of 5.8% from the previous year. The median price per square foot is $192, and the median home sold price is $313,900. The county is currently considered a buyer's market, indicating that the supply of homes exceeds demand. The top cities in Morgan County include Coalfield, with a population of approximately 2,861, Midtown with 1,126 residents, Wartburg with 910, and Sunbright with 521 people. These cities contribute to the county's overall population of around 21,939. Morgan County offers a predominantly rural lifestyle, with a population density of about 42.1 people per square mile. The area is known for its scenic beauty and outdoor recreational opportunities, including state parks and wildlife management areas. The primary industries in the county are health care, social assistance, and construction. The county attracts retirees and those seeking an active lifestyle due to its affordable living costs, mild climate, and low crime rates.

County snapshot

Market context.

TN

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

Market areaKnoxvilleMapped market area
Area code28940CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Morgan County

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

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