SeatJackson
People100,790
Income cap, 3+$111,300
Price cap$500,000
Getting to know Madison County as a buyer
The Jackson-Madison County School System is the single public district. Full-time K-12 teachers there, or at local private schools, qualify.
Jackson Police, the Madison County Sheriff's Office and Jackson Fire are the main eligible employers. Medon and Three Way buyers use the same limit.
Madison's limit, $95,400 / $111,300, matches Chester County's and is on the lower end statewide, so the 5% option or a forgivable option can matter more relative to price.
The caps in Madison County
| Cap for 1–2 people | Cap for 3 or more | Highest price allowed |
|---|
| $95,400 | $111,300 | $500,000 |
Madison County's limit is $95,400 for 1-2 people and $111,300 for 3+. Compare with every county's caps, or run your own budget.
More help that's specific to Madison County
Local programs like these can sometimes sit on top of the state program, or stand in for it. Each one has its own rules, so your loan officer will sort out which ones play nicely together.
Rise Up - Memphis and West Tennessee (United Housing)
Funds limitedMemphis and West Tennessee
- For
- First-time, first-generation homebuyers
- How much
- $25,000 grant (total pool up to $2 million)
- Kind of help
- Grant, never repaid
- First-timers only?
- Yes
- Fine print
- Must use an FHLB Cincinnati member lender
Announced Aug-Oct 2025 (news reports). Official FHLB page could not be rendered; county list and whether funds remain are unverified. Madison County inclusion assumed from 'West Tennessee' wording.
Checked against the source November 2026 · how we check
The full Tennessee program list
Homebuyer class options near Madison County
Plan on a homebuyer class; almost every assistance program makes you take one before the closing date. Here is who near Madison County is HUD-approved to teach it or sit down with you one on one:
| Agency | Office in | Miles away | Help offered | Spoken in | Ways to attend |
|---|
| West Tennessee Legal Services, Incorporated | Jackson | 1 mi | homebuyer education class, pre-purchase counseling | English, Spanish | Face to Face, Phone, Internet |
Pulled from HUD's housing counseling agency list. Programs don't all accept the same classes.
Which class does your program want? Ask a loan officer who does Tennessee programs. They'll name the class that counts and can get your pre-approval going at the same time.
See if I qualify
Who in Madison County can use it
A few of the local employers whose people qualify:
- Jackson-Madison County School System
- Jackson Police Department
- Madison County Sheriff's Office
- Jackson Fire Department
Jackson firefighters and police qualify with their certification and proof of current employment. All the jobs that count
Questions folks ask about Madison County
What's the Jackson income limit?
$95,400 (1-2) and $111,300 (3+).
Is the $6,000 option really forgiven?
Yes, after 10 years, with no payments. It's due in full if you sell or refinance before then.
Do JMCSS teachers qualify?
Yes, full-time K-12 teachers qualify.
Nearby and elsewhere: Shelby County · Davidson County · Knox County · Hamilton County · Rutherford County · Williamson County · Montgomery County · Sumner County · Every county
