THDA limits, effective Aug. 1, 2026
Tennessee income and price limits
Every county has the same $500,000 price limit. Income limits depend on the county and your household size.
THDA sets two income limits per county: one for households of 1-2 people and one for 3 or more. Your lender counts the income of everyone who will live in the home and be on the loan, using THDA's rules, and compares it to the limit for the county where the home is.
Limits run from $94,900 / $109,200 in many rural counties up to $139,320 / $162,540 in the Nashville-area counties such as Davidson, Williamson, Rutherford, Sumner and Wilson. Most THDA targeted counties sit at $113,880 / $132,860.
The acquisition cost limit is $500,000 in every county. In THDA's 43 targeted counties, and in targeted census tracts of other counties, the first-time buyer rule is waived.
| Area | Income, 1–2 people | Income, 3+ people | Purchase price limit |
|---|---|---|---|
| Anderson County | $103,700 | $119,255 | $500,000 |
| Bedford County | $102,480 | $119,560 | $500,000 |
| Benton County | $94,900 | $109,200 | $500,000 |
| Bledsoe County | $94,900 | $109,200 | $500,000 |
| Blount County | $103,700 | $119,255 | $500,000 |
| Bradley County | $103,074 | $118,536 | $500,000 |
| Campbell County | $113,880 | $132,860 | $500,000 |
| Cannon County | $139,320 | $162,540 | $500,000 |
| Carroll County | $113,880 | $132,860 | $500,000 |
| Carter County | $96,720 | $112,840 | $500,000 |
| Cheatham County | $139,320 | $162,540 | $500,000 |
| Chester County | $95,400 | $111,300 | $500,000 |
| Claiborne County | $113,880 | $132,860 | $500,000 |
| Clay County | $94,900 | $109,200 | $500,000 |
| Cocke County | $113,880 | $132,860 | $500,000 |
| Coffee County | $94,900 | $109,200 | $500,000 |
| Crockett County | $113,880 | $132,860 | $500,000 |
| Cumberland County | $94,900 | $109,480 | $500,000 |
| Davidson County | $139,320 | $162,540 | $500,000 |
| DeKalb County | $113,880 | $132,860 | $500,000 |
| Decatur County | $94,900 | $109,200 | $500,000 |
| Dickson County | $139,320 | $162,540 | $500,000 |
| Dyer County | $113,880 | $132,860 | $500,000 |
| Fayette County | $113,880 | $132,860 | $500,000 |
| Fentress County | $113,880 | $132,860 | $500,000 |
| Franklin County | $113,880 | $132,860 | $500,000 |
| Gibson County | $113,880 | $132,860 | $500,000 |
| Giles County | $103,334 | $118,835 | $500,000 |
| Grainger County | $113,880 | $132,860 | $500,000 |
| Greene County | $113,880 | $132,860 | $500,000 |
| Grundy County | $113,880 | $132,860 | $500,000 |
| Hamblen County | $96,120 | $112,140 | $500,000 |
| Hamilton County | $101,854 | $117,133 | $500,000 |
| Hancock County | $113,880 | $132,860 | $500,000 |
| Hardeman County | $113,880 | $132,860 | $500,000 |
| Hardin County | $94,900 | $109,200 | $500,000 |
| Hawkins County | $113,880 | $132,860 | $500,000 |
| Haywood County | $113,880 | $132,860 | $500,000 |
| Henderson County | $113,880 | $132,860 | $500,000 |
| Henry County | $94,900 | $109,200 | $500,000 |
| Hickman County | $94,900 | $110,460 | $500,000 |
| Houston County | $113,880 | $132,860 | $500,000 |
| Humphreys County | $100,320 | $117,040 | $500,000 |
| Jackson County | $113,880 | $132,860 | $500,000 |
| Jefferson County | $113,880 | $132,860 | $500,000 |
| Johnson County | $113,880 | $132,860 | $500,000 |
| Knox County | $103,700 | $119,255 | $500,000 |
| Lake County | $113,880 | $132,860 | $500,000 |
| Lauderdale County | $113,880 | $132,860 | $500,000 |
| Lawrence County | $113,880 | $132,860 | $500,000 |
| Lewis County | $98,760 | $115,220 | $500,000 |
| Lincoln County | $113,880 | $132,860 | $500,000 |
| Loudon County | $103,700 | $119,255 | $500,000 |
| Macon County | $113,880 | $132,860 | $500,000 |
| Madison County | $95,400 | $111,300 | $500,000 |
| Marion County | $101,854 | $117,133 | $500,000 |
| Marshall County | $102,834 | $118,260 | $500,000 |
| Maury County | $124,320 | $145,040 | $500,000 |
| McMinn County | $95,040 | $110,880 | $500,000 |
| McNairy County | $94,900 | $109,200 | $500,000 |
| Meigs County | $113,880 | $132,860 | $500,000 |
| Monroe County | $113,880 | $132,860 | $500,000 |
| Montgomery County | $102,574 | $117,961 | $500,000 |
| Moore County | $103,034 | $118,490 | $500,000 |
| Morgan County | $113,880 | $132,860 | $500,000 |
| Obion County | $94,900 | $109,200 | $500,000 |
| Overton County | $113,880 | $132,860 | $500,000 |
| Perry County | $94,900 | $109,200 | $500,000 |
| Pickett County | $113,880 | $132,860 | $500,000 |
| Polk County | $113,880 | $132,860 | $500,000 |
| Putnam County | $103,814 | $119,387 | $500,000 |
| Rhea County | $113,880 | $132,860 | $500,000 |
| Roane County | $102,514 | $117,892 | $500,000 |
| Robertson County | $139,320 | $162,540 | $500,000 |
| Rutherford County | $139,320 | $162,540 | $500,000 |
| Scott County | $113,880 | $132,860 | $500,000 |
| Sequatchie County | $101,854 | $117,133 | $500,000 |
| Sevier County | $102,000 | $119,000 | $500,000 |
| Shelby County | $102,794 | $118,214 | $500,000 |
| Smith County | $103,080 | $120,260 | $500,000 |
| Stewart County | $113,880 | $132,860 | $500,000 |
| Sullivan County | $98,160 | $114,520 | $500,000 |
| Sumner County | $139,320 | $162,540 | $500,000 |
| Tipton County | $113,880 | $132,860 | $500,000 |
| Trousdale County | $139,320 | $162,540 | $500,000 |
| Unicoi County | $96,720 | $112,840 | $500,000 |
| Union County | $124,440 | $145,180 | $500,000 |
| Van Buren County | $113,880 | $132,860 | $500,000 |
| Warren County | $94,900 | $109,200 | $500,000 |
| Washington County | $96,720 | $112,840 | $500,000 |
| Wayne County | $94,900 | $109,200 | $500,000 |
| Weakley County | $94,900 | $109,200 | $500,000 |
| White County | $113,880 | $132,860 | $500,000 |
| Williamson County | $139,320 | $162,540 | $500,000 |
| Wilson County | $139,320 | $162,540 | $500,000 |
Source: THDA Great Choice & HFA Advantage Mortgage Loan Programs - Acquisition Cost & Income Limits by County, effective 08.01.2026. Limits change; your lender confirms the current figures.
