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FHA loans in Hartsville/Trousdale County, TN

Quick answer

The 2026 FHA loan limit in Hartsville/Trousdale County, TN (Trousdale County) is $1,029,250 for a single-family home, enough for a purchase price up to about $1,066,000 with 3.5% down. On the $284,100 median home value, that down payment is about $9,944 and the estimated payment is $2,282/month at 7.18%, which needs roughly $98,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $63,190; value-to-income ratio 4.50. Hartsville/Trousdale County ranks 21 by home value and 55 by population among 65 places in our TN dataset.

What does an FHA loan cost on a typical Hartsville/Trousdale County home?

ItemHartsville/Trousdale County
Median home value (Census ACS)$284,100
Tennessee median home value$256,800
Down payment (3.5%)$9,944
Loan incl. 1.75% upfront MIP$278,954
Estimated monthly payment (PITI + MI)$2,282
Income needed (28% / 36%)$98,000 / $77,000
Trousdale County 2026 FHA limit (1 unit)$1,029,250
Max purchase price at the limit$1,066,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Tennessee's 0.55% effective property tax rate (Census ACS), $1,649/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Hartsville/Trousdale County?

Hartsville/Trousdale County is in Trousdale County, a designated high-cost area, where HUD's 2026 one-unit FHA limit is $1,029,250. With the minimum 3.5% down, that caps the purchase price at about $1,066,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $1,029,250).

The Hartsville/Trousdale County median home value of $284,100 is 11% above the Tennessee median, and within what the county limit supports.

Which down payment assistance programs can Hartsville/Trousdale County buyers use?

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FHA loan FAQs for Hartsville/Trousdale County

Hartsville/Trousdale County is in Trousdale County, where HUD's 2026 FHA limit for a one-unit home is $1,029,250. With 3.5% down, that supports a purchase price up to about $1,066,000.

3.5% of $284,100 is about $9,944 with a 580+ credit score (10%, or $28,410, with a 500–579 score), plus closing costs.

At the $284,100 median value (above the Tennessee median of $256,800), the estimated payment of $2,282/month at 7.18% needs about $98,000 a year under the 28% housing guideline, or $77,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 2 statewide programs are verified for this city (2 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.