What is the 2026 FHA loan limit in Knoxville?

$541,287 for a one-unit home in Knox County, the national FHA floor.

Did Knoxville property taxes change in 2026?

Knox County reappraised in 2026 and the City of Knoxville cut its rate to $1.3956 per $100 of assessed value, but assessed values went up. Your bill depends on the new value.

Can I run a short-term rental in Knoxville?

In residential zones, only as an owner-occupied STR with a city permit. Non-owner-occupied STRs are limited to non-residential zones.

Is Nick Grisanti licensed to lend in Knoxville?

Yes. Nick is licensed as a Mortgage Loan Originator in Tennessee (TN #2719729), and loans are originated through C2 Financial Corporation, NMLS #135622.

Knox County · Tennessee

Mortgages in Knoxville.

Nick Grisanti

Mortgage Loan Originator · NMLS #2719729FL #LO138662 · OH #MLO-OH.2719729 · TN #2719729 · TX SML licensedC2 Financial Corporation · NMLS #135622

Purchase, refinance and investment property loans in Knoxville and Knox County, from 100+ wholesale lenders through C2 Financial Corporation.

$541,2872026 FHA limit, Knox County
100+Wholesale lenders

Step 1 of 4

What can we help you with?

A few details

Credit score, roughly

When are you hoping to close?

Main income type

First home you've bought?

Monthly debt payments (car, student, cards)

Served in the military? (optional)

How will it be rented?

How do you know the rent?

Expected gross rent per month

Prepayment penalty you could accept

How would you document income?

Renovation budget

Value after renovation (estimate)

Plan when it's done

The lot

Lot value (estimate)

Construction budget

Plans and permits

Who is building it?

When it's finished, you'll

Buying in your name or an LLC?

Projects in the last 3 years

Include taxes and insurance in the monthly payment?

Loan amount, if you know it

2026

Knoxville by the numbers

Knoxville's prices sit well under the national FHA floor, so FHA and conventional loans cover most purchases. Knox County reappraised in 2026, which cut tax rates but raised assessed values.

FHA · 1 unit · Knox County $541,287 The national floor, which covers most purchase prices here.

Conforming · 1 unit $832,750 Loans above this are jumbo loans.

Median sale price $325,000 City of Knoxville, three months ending September 2026 (Redfin).

Property tax $1.3956 City of Knoxville rate per $100 of assessed value after the 2026 reappraisal. Knox County's rate is added on top. Homes are assessed at 25% of appraised value.

Income tax None on wages Tennessee has no state income tax on wages, which helps your debt-to-income ratio.

Closing $0.37 + $0.115 Tennessee transfer tax is $0.37 per $100 of price; mortgage tax is $0.115 per $100 of the loan above the first $2,000.

Check your county's FHA limit with HUD's lookup. Two- to four-unit properties have higher limits. Nick confirms the current figures for your county before every rate lock.

Local rules and costs

What buyers in Knoxville should know

Taxes Use the new 2026 values Knox County's 2026 reappraisal lowered rates but raised values. Estimate taxes from the new appraised value, not the seller's last bill. City property taxes → Short-term rentals Owner-occupied in residential zones Knoxville's STR permits split into owner-occupied (allowed in residential zones) and non-owner-occupied (non-residential zones only). City STR rules → First-time buyers THDA Great Choice Tennessee Housing Development Agency's 30-year fixed loan (640+ credit, income and price limits by county), with down payment help of $6,000 to $15,000 through Great Choice Plus. THDA programs → Taxes Tax freeze for qualifying seniors Knox County participates in Tennessee's property tax freeze for qualifying homeowners, alongside the state tax relief program. Knox County relief → Investors Rental property in Knoxville A DSCR loan qualifies on the property's rent rather than your personal income, which suits investors who own several properties or live outside Knoxville. How DSCR works →

About Knoxville

Living and buying in Knoxville

Knoxville's biggest employers are federal science and research (the Department of Energy's Oak Ridge complex, including Oak Ridge National Laboratory), Covenant Health and the University of Tennessee.

Buyers look at older homes near downtown and the university, established areas such as Sequoyah Hills and Bearden, and newer subdivisions toward the edges of Knox County.

Neighborhoods

Where buyers look

Sequoyah Hills
Fountain City
Bearden
Old North Knoxville
South Knoxville

Schools: Knox County Schools. Check the district for any specific address before you buy.

Loans in Knoxville

Loan programs

Most common Conventional Fannie Mae and Freddie Mac loans for primary homes, second homes and investment property. Conventional loans → Flexible credit FHA Low down payment for a Knoxville home you'll live in, with local down payment help. FHA in Knoxville → Veterans VA For eligible veterans, service members and surviving spouses. VA loans → Higher prices Jumbo Loan amounts above the conforming limit. Jumbo loans → Investors DSCR Buy or refinance a Knoxville rental on the property's rental income. DSCR in Knoxville → Self-employed Bank statement For self-employed borrowers whose tax returns understate their income. Bank statement loans → Home equity HELOC and cash-out Borrow against your home's equity with a line of credit or a cash-out refinance. Compare options →

Not every lender offers every program in every state, and all loans are subject to credit approval and program guidelines. Nick compares 100+ wholesale lenders through C2 Financial Corporation to find the programs that fit your scenario.

Questions

Knoxville mortgage FAQ

What is the 2026 FHA loan limit in Knoxville?: $541,287 for a one-unit home in Knox County, the national FHA floor.
Did Knoxville property taxes change in 2026?: Knox County reappraised in 2026 and the City of Knoxville cut its rate to $1.3956 per $100 of assessed value, but assessed values went up. Your bill depends on the new value.
Can I run a short-term rental in Knoxville?: In residential zones, only as an owner-occupied STR with a city permit. Non-owner-occupied STRs are limited to non-residential zones.
Is Nick Grisanti licensed to lend in Knoxville?: Yes. Nick is licensed as a Mortgage Loan Originator in Tennessee (TN #2719729), and loans are originated through C2 Financial Corporation, NMLS #135622.