TN mortgage rates

Sumner County

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

Sumner 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 Sumner 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 Sumner

A local view of the market.

The real estate market in Sumner County, Tennessee, is experiencing a slight decline in home prices. As of September 2024, the median home price was approximately $412,000, which represents a 6.3% decrease from the previous year. Despite this decline, the cost of living in Sumner County remains about 9% lower than the national average, making it an attractive area for potential homebuyers. Sumner County is home to several prominent cities, with Hendersonville being the largest, boasting a population of approximately 62,119. Gallatin follows with a population of around 44,827, and Portland has about 13,209 residents. These cities contribute significantly to the county's overall population and economic activity. Living in Sumner County offers a blend of rural and suburban lifestyles. The area is known for its suburban appeal, with a growing population attracted by its proximity to Nashville and the availability of suburban amenities. The local economy is driven by industries such as manufacturing, healthcare, and education. The county has seen a shift from agricultural land to residential and commercial developments, attracting new residents seeking a balance between rural charm and suburban convenience.

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 communitiesHendersonville · GallatinFrom the county record
Data year2026Aligned with this limit record
HendersonvilleGallatin
Top cities & communities

Communities to explore.

HendersonvilleGallatin
Questions & Answers

Refinancing in Sumner County

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

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