TN mortgage rates

Union County

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

Union 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.

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Refinance Payment Estimate

Estimate Your Refinance in Union 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 Union

A local view of the market.

Union County, Tennessee, has a neutral real estate market with a median home price of $304,000 as of October 2024, reflecting a 3.4% increase from the previous year. Homes in the area typically sell for $194 per square foot, and the market is characterized by reasonable prices and typical timeframes for selling properties. The top cities in Union County include Maynardville, the county seat, with a population of approximately 2,500 residents. Other notable areas include Luttrell and Sharps Chapel, which are smaller but contribute to the county's rural charm and community-focused lifestyle. Union County offers a predominantly rural lifestyle with some suburban areas, making it appealing for those seeking a quieter, more agricultural environment. The county's economy is supported by industries such as agriculture, manufacturing, and retail. People are drawn to Union County for its affordable housing, scenic landscapes, and the opportunity to enjoy a peaceful, rural lifestyle while still being within reach of larger urban centers like Knoxville.

County snapshot

Market context.

TN

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

Market areaKnoxvilleMapped market area
Area code28940CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Union County

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

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