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.

2026 Mortgage Loan Limits
Scott County
Conforming Loan Limits
Per propertyFHA Loan Limits
Per propertyEstimate Your Refinance in Scott County
Use your current mortgage details to estimate a new refinance payment and potential monthly savings.
Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.
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.
Refinancing in Scott County
Common questions about 2026 loan limits and refinancing opportunities in Tennessee.
Your rate opportunity should feel clear.
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