Loan Limits / Tennessee / Bradley County
2026 Loan Limits · Tennessee · CLEVELAND, TN
Bradley County, TN.
2026 conforming and FHA loan limits, calibrated to a median sales price of $280,000.
Median Sales Price
$280,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Bradley County
Bradley County is a county located in the southeastern portion of the U.S. state of Tennessee. As of the 2020 census, the population was 108,620, making it the thirteenth most populous county in Tennessee. Its county seat is Cleveland. It is named for Colonel Edward Bradley of Shelby County, Tennessee, who was colonel of Hale's Regiment in the American Revolution and the 15th Regiment of the Tennessee Volunteers in the War of 1812. Bradley County is included in the Cleveland, Tennessee metropolitan area, which is also included in the Chattanooga Metropolitan Statistical Area. Read more on Wikipedia →
Population
109,743
U.S. Census ACS 2023
Median Household Income
$63,789
U.S. Census ACS 2023
Median Home Value (Census)
$230,800
Owner-occupied · ACS 2023
Owner-Occupancy Rate
68%
Of occupied housing
What these limits mean for buyers in Bradley County
The 2026 conforming 1-unit limit for Bradley County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Bradley County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Bradley County at $280,000. This matches the FHA national floor — Bradley County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Bradley County ($280,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Bradley County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Bradley County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.