Smith County
Clear, current 2026 mortgage and refinance loan limits for homeowners in Smith 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
Smith County
Conforming Loan Limits
Per propertyFHA Loan Limits
Per propertyEstimate Your Refinance in Smith 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.
Smith County, Tennessee, has a dynamic real estate market characterized by a median home sold price of $316,000 as of October 2024, reflecting a 7.7% increase from the previous year. This growth indicates a strong seller's market, where homes are selling faster and at higher prices. The median price per square foot is $200, showcasing the county's competitive housing landscape. The top cities in Smith County include Carthage, Gordonsville, and South Carthage. Carthage, the county seat, has a median listing home price of $332,400, while Gordonsville's median listing price is $336,900. South Carthage is more affordable, with a median listing price of $249,900. These cities offer a range of housing options and are central to the county's community life. Smith County offers a blend of rural and suburban living, with a strong emphasis on agriculture and farming, reflecting its rural roots. The county's economy is supported by industries such as manufacturing and healthcare, attracting new residents seeking a quieter lifestyle with access to suburban amenities. The migration patterns suggest that people are moving to Smith County for its affordable housing, community-oriented lifestyle, and proximity to larger cities for employment opportunities.
Market context.
Public location data associated with this county record. Optional fields are shown only when present in the source.
Refinancing in Smith County
Common questions about 2026 loan limits and refinancing opportunities in Tennessee.
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