TN mortgage rates

Rutherford County

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

Rutherford County

Conforming Loan Limits

Per property
1 unit$1,029,250
2 units$1,317,650
3 units$1,592,700
4 units$1,979,350

FHA Loan Limits

Per property
1 unit$1,029,250
2 units$1,317,650
3 units$1,592,700
4 units$1,979,350

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 Rutherford 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 Rutherford

A local view of the market.

Rutherford County, Tennessee, has a dynamic real estate market with a median listing home price of $465,000 as of October 2024. This figure has remained stable year-over-year, reflecting a balanced market where homes are generally selling for their asking prices. The median price per square foot is $223, and the median sold home price is $429,000, indicating a competitive market environment. The county is home to several prominent cities, including Murfreesboro, Smyrna, and La Vergne. Murfreesboro, the largest city, has a population of approximately 153,000 and serves as a cultural and economic hub. Smyrna, with a population of around 53,000, is known for its vibrant community and growing economy. La Vergne, the most affordable city in the county, has a population of about 38,000, offering a suburban lifestyle with a median home price of $384,000. Rutherford County offers a mix of suburban and rural living, with a strong presence of agriculture and suburban developments. The county's economy is bolstered by industries such as manufacturing, healthcare, and education, attracting new residents seeking employment opportunities and a high quality of life. The migration patterns indicate a trend of people moving to the county for its affordable housing, good schools, and proximity to Nashville, making it an attractive destination for families and professionals alike.

County snapshot

Market context.

TN

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

Market areaNashville-Davidson--Murfreesboro--FranklinMapped market area
Area code34980CBSA / MSA reference
Featured communitiesSmyrna · La Vergne · MurfreesboroFrom the county record
Data year2026Aligned with this limit record
SmyrnaLa VergneMurfreesboro
Top cities & communities

Communities to explore.

SmyrnaLa VergneMurfreesboro
Questions & Answers

Refinancing in Rutherford County

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

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