TN mortgage rates

Polk County

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

Polk 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 Polk 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 Polk

A local view of the market.

The real estate market in Polk County, Tennessee, is currently characterized as a buyer's market, with a median home sold price of $288,000 as of October 2024. This represents a slight decrease of 0.7% compared to the previous year. The median price per square foot is $174, indicating a stable market environment where homes tend to stay on the market longer, providing potential buyers with more negotiating power. Polk County includes several small towns, with Benton being the county seat and the largest city, having a population of approximately 1,516. Other notable towns include Copperhill, with a population of around 442, and Ducktown, which has about 458 residents. These towns offer a glimpse into the rural charm and tight-knit communities that define the county. Living in Polk County offers a predominantly rural experience, with agriculture being a significant industry. The county is home to several Century Farms, highlighting its rich agricultural heritage. The lifestyle here is slow-paced and family-oriented, making it an attractive destination for both young families and retirees. The picturesque scenery and growing agribusiness sector contribute to a high quality of life, drawing people who seek a peaceful, community-focused 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 areaClevelandMapped market area
Area code17420CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Polk 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.