TN mortgage rates

Washington County

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

Washington 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 Washington 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 Washington

A local view of the market.

The real estate market in Washington County, Tennessee, is currently experiencing a seller's market, with the median home sold price at $320,359 as of October 2024. This represents a 5.8% increase from the previous year, and the median price per square foot is $182. This trend indicates a competitive market where homes are selling relatively quickly and often at higher prices. Washington County is home to several notable cities, with Johnson City being the largest and most prominent. Johnson City has a population of approximately 67,000, making it a significant urban center in the region. Other important cities include Jonesborough, which is known for its historic charm and has a population of around 5,000, and Gray, a smaller community that contributes to the county's suburban feel. Living in Washington County offers a mix of rural and suburban experiences, with a strong presence of agriculture and farming alongside suburban developments. The county's economy is supported by industries such as healthcare, education, and manufacturing, which attract new residents. People are moving to Washington County for its affordable housing, quality of life, and the scenic beauty of the Appalachian region, making it an attractive destination for both families and retirees.

County snapshot

Market context.

TN

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

Market areaJohnson CityMapped market area
Area code27740CBSA / MSA reference
Featured communitiesMorris · GermanFrom the county record
Data year2026Aligned with this limit record
MorrisGerman
Top cities & communities

Communities to explore.

MorrisGerman
Questions & Answers

Refinancing in Washington 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.