Loan Limits / Tennessee / Williamson County
2026 Loan Limits · Tennessee · NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN
Williamson County, TN.
2026 conforming and FHA loan limits, calibrated to a median sales price of $895,000. This county is designated high-cost — conforming limits exceed the national baseline.
Median Sales Price
$895,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$1,029,250
High-cost
FHA 1u Limit
$1,029,250
Mid-tier
Jumbo Threshold
> $1,029,250
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
High-cost| 1-unit (single-family) | $1,029,250 |
| 2-unit (duplex) | $1,317,650 |
| 3-unit (triplex) | $1,592,700 |
| 4-unit (fourplex) | $1,979,350 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $1,029,250 |
| 2-unit (duplex) | $1,317,650 |
| 3-unit (triplex) | $1,592,700 |
| 4-unit (fourplex) | $1,979,350 |
About this county
About Williamson County
Williamson County is a county in the U.S. state of Tennessee. As of the 2020 United States census, the population was 247,726. The county seat is Franklin, and the county is located in Middle Tennessee. The county is named after Hugh Williamson, a North Carolina politician who signed the U.S. Constitution. Williamson County is part of the Nashville-Davidson–Murfreesboro–Franklin, TN Metropolitan Statistical Area. In the 19th century, tobacco and hemp were cultivated here, and planters also raised warm-blooded livestock, including horses and cattle. Read more on Wikipedia →
Population
254,609
U.S. Census ACS 2023
Median Household Income
$131,202
U.S. Census ACS 2023
Median Home Value (Census)
$673,700
Owner-occupied · ACS 2023
Owner-Occupancy Rate
80%
Of occupied housing
What these limits mean for buyers in Williamson County
The 2026 conforming 1-unit limit for Williamson County is $1,029,250. 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. Because Williamson County is designated a high-cost area, the limit exceeds the national baseline of $832,750.
For FHA financing, the 2026 1-unit limit is $1,029,250. The HUD CHUMS table pegs the median sales price for Williamson County at $895,000. Williamson County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Williamson County ($895,000) 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
Williamson County 2-, 3-, and 4-unit conforming limits are $1,317,650, $1,592,700, and $1,979,350 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 Williamson County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.