TN mortgage rates

Scott County

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

Scott 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 Scott 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 Scott

A local view of the market.

Scott County, Tennessee, has seen a notable increase in its real estate market, with the median home sold price reaching $232,500 in October 2024, marking a 10.7% rise from the previous year. The county is currently considered a buyer's market, suggesting that homes tend to stay on the market longer and are more affordable compared to other regions. The county's prominent cities include Oneida, Huntsville, and Winfield. Oneida, as the largest city, serves as a central hub with a population of approximately 3,700 residents. Huntsville, the county seat, has a smaller population of around 1,200, while Winfield is home to about 1,000 people. These cities are known for their close-knit communities and access to outdoor recreational activities. Living in Scott County offers a predominantly rural lifestyle, with a mix of agricultural and suburban environments. The county's economy is supported by industries such as manufacturing, healthcare, and retail. Many people are drawn to Scott County for its affordable housing, natural beauty, and the tranquility of rural life, making it an attractive option for those seeking to escape the hustle and bustle of urban areas.

Questions & Answers

Refinancing in Scott 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.