TN mortgage rates

Putnam County

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

Putnam 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 Putnam 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 Putnam

A local view of the market.

The real estate market in Putnam County, Tennessee, has seen a notable shift in recent times. As of October 2024, the median home sold price was $354,414, reflecting a 9.1% increase from the previous year. The median price per square foot was $196, indicating a steady demand for housing in the area. Putnam County is home to several key cities, with Cookeville being the largest. Cookeville has a population of approximately 34,000 and serves as a central hub for the county. Other notable cities include Algood and Baxter, which contribute to the county's overall population and economic activity. Living in Putnam County offers a blend of rural and suburban experiences. The county is characterized by its agricultural roots, with farming and related industries playing a significant role in the local economy. Additionally, the presence of Tennessee Technological University in Cookeville attracts students and professionals, contributing to a diverse community. The county's appeal includes affordable living, scenic landscapes, and a welcoming atmosphere, making it an attractive destination for those seeking a balance between rural charm and suburban convenience.

County snapshot

Market context.

TN

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

Market areaCookevilleMapped market area
Area code18260CBSA / MSA reference
Featured communityCookevilleFrom the county record
Data year2026Aligned with this limit record
Cookeville
Top cities & communities

Communities to explore.

Cookeville
Questions & Answers

Refinancing in Putnam County

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

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