TN mortgage rates

Roane County

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

Roane 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 Roane 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 Roane

A local view of the market.

Roane County, Tennessee's real estate market is experiencing a seller's market with a median sold home price of $274,646 as of October 2024, reflecting a 13.7% increase from the previous year. The median price per square foot is $166, indicating a competitive market where homes are selling faster and at higher prices. The top cities in Roane County include Kingston, Harriman, Rockwood, and Midtown. Kingston has a median listing home price of $524,500, making it the most expensive city in the county. Harriman and Rockwood have median listing prices of $272,400 and $274,900, respectively, while Midtown is the most affordable with a median listing price of $261,000. Roane County offers a mix of rural and suburban living, with agriculture playing a significant role in its economy. The county's scenic landscapes and proximity to larger cities make it an attractive destination for those seeking a quieter lifestyle with easy access to urban amenities. The top industries include manufacturing, healthcare, and education, drawing people to the area for employment opportunities and a lower cost of living compared to urban centers.

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 Roane County

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

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