What is the 2026 FHA loan limit in Murfreesboro?

$1,029,250 for a one-unit home in Rutherford County, which is part of the Nashville metro.

What are property taxes in Murfreesboro?

The 2025 combined city and county rate was about $2.83 per $100 of assessed value, and homes are assessed at 25% of appraised value. A $400,000 home works out to about $2,830 a year.

Can I buy in Murfreesboro with a first-time buyer program?

Yes. THDA's Great Choice loan and Great Choice Plus down payment help are available statewide, subject to income and price limits for Rutherford County.

Is Nick Grisanti licensed to lend in Murfreesboro?

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

Rutherford County · Tennessee

Mortgages in Murfreesboro.

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 Murfreesboro and Rutherford County, from 100+ wholesale lenders through C2 Financial Corporation.

$1,029,2502026 FHA limit, Rutherford 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

Murfreesboro by the numbers

Rutherford County is part of the Nashville metro, so it shares Nashville's high-cost 2026 limits: $1,029,250 for both FHA and conforming loans on a one-unit home.

FHA · 1 unit · Rutherford County $1,029,250 Above the $541,287 national floor because of Rutherford County's higher home prices.

Conforming · 1 unit $1,029,250 Loans above this are jumbo loans.

Median sale price $428,000 City of Murfreesboro, three months ending September 2026 (Redfin).

Property tax $2.83 Per $100 of assessed value for tax year 2025: City $0.95 plus Rutherford County $1.88. 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 Murfreesboro should know

Short-term rentals Taxes and licenses for STRs Rutherford County STR owners pay state business and sales tax, a 5% occupancy tax to the county and city, and need county and city business licenses. County rental tax →

Loan limits Nashville-metro limits Because Rutherford is in the Nashville metro, loans up to $1,029,250 can stay conforming instead of jumbo, which usually means simpler qualifying.

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 → Investors Rental property in Murfreesboro A DSCR loan qualifies on the property's rent rather than your personal income, which suits investors who own several properties or live outside Murfreesboro. How DSCR works →

About Murfreesboro

Living and buying in Murfreesboro

Murfreesboro is home to Middle Tennessee State University, and Rutherford County's major employers include Nissan North America, Amazon and MTSU.

Much of the housing is newer subdivision construction, with nearby Smyrna and La Vergne offering lower price points closer to Nashville.

Neighborhoods

Where buyers look

West Murfreesboro
Smyrna
La Vergne
Eagleville

Schools: Murfreesboro City Schools (elementary) and Rutherford County Schools. Check the district for any specific address before you buy.

Loans in Murfreesboro

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 Murfreesboro home you'll live in, with local down payment help. FHA in Murfreesboro → 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 Murfreesboro rental on the property's rental income. DSCR in Murfreesboro → 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

Murfreesboro mortgage FAQ

What is the 2026 FHA loan limit in Murfreesboro?: $1,029,250 for a one-unit home in Rutherford County, which is part of the Nashville metro.
What are property taxes in Murfreesboro?: The 2025 combined city and county rate was about $2.83 per $100 of assessed value, and homes are assessed at 25% of appraised value. A $400,000 home works out to about $2,830 a year.
Can I buy in Murfreesboro with a first-time buyer program?: Yes. THDA's Great Choice loan and Great Choice Plus down payment help are available statewide, subject to income and price limits for Rutherford County.
Is Nick Grisanti licensed to lend in Murfreesboro?: Yes. Nick is licensed as a Mortgage Loan Originator in Tennessee (TN #2719729), and loans are originated through C2 Financial Corporation, NMLS #135622.