TN mortgage rates

Obion County

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

Obion 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 Obion 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 Obion

A local view of the market.

In Obion County, Tennessee, the real estate market has seen a stable trend with a median listing price of $239,200 as of October 2024. The average home value in the county is approximately $147,915, reflecting a modest increase of 1.9% over the past year. The county is home to several notable cities, including Union City, which is the largest with a population of around 10,000 residents. Other significant cities include South Fulton and Troy, each contributing to the county's diverse community and economy. Living in Obion County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The area is characterized by its farming communities and suburban developments, attracting individuals seeking a quieter lifestyle away from urban centers. The county's top industries include agriculture, manufacturing, and retail, which support a steady flow of new residents looking for affordable housing and a peaceful environment.

County snapshot

Market context.

TN

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

Market areaUnion CityMapped market area
Area code46460CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Obion County

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

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