What is the 2026 FHA loan limit in Nashville?

$1,029,250 for a one-unit home in Davidson County, the same as the 2026 conforming limit for the county.

Can I buy a Nashville home to run as an Airbnb?

Only in the right zone. Metro Nashville issues new non-owner-occupied STR permits only in certain mixed-use, commercial and downtown zones. A DSCR loan can qualify on long-term rent if a short-term permit isn't possible.

What are property taxes in Nashville?

In the Urban Services District the 2025 rate was $2.814 per $100 of assessed value, and homes are assessed at 25% of appraised value. A $400,000 home works out to about $2,814 a year.

Is Nick Grisanti licensed to lend in Nashville?

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

Davidson County · Tennessee

Mortgages in Nashville.

Nick Grisanti

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

Purchase, refinance, home equity and investment property loans in Nashville and Davidson County, from 100+ wholesale lenders through C2 Financial Corporation.

$1,029,2502026 FHA limit, Davidson 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

Nashville by the numbers

Davidson County is a high-cost area, so both the FHA and conforming limits are $1,029,250 for a one-unit home in 2026, well above the national baseline. That covers most Nashville purchases without a jumbo loan.

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

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

Median sale price $510,000 Greater Nashville Realtors residential median, September 2026.

Property tax $2.814 Per $100 of assessed value inside the Urban Services District (tax year 2025). 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 Nashville should know

Short-term rentals Most homes can't be a non-owner STR New non-owner-occupied short-term rental permits are only issued in certain mixed-use, commercial and downtown zones, not in single-family or residential zones. Check the zoning before you underwrite a property on STR income. Metro permit types → Short-term rentals Permit before you list Every STR needs a Metro Codes permit, renewed yearly, and hosts remit business, sales and hotel occupancy taxes. Owner-occupied permits go only to people who live on the property, not LLCs. Metro Codes STR → 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 Davidson County has adopted Tennessee's property tax freeze for qualifying homeowners, and the state tax relief program reimburses some low-income elderly, disabled and disabled-veteran homeowners. Comptroller programs → Investors Rental property in Nashville A DSCR loan qualifies on the property's rent rather than your personal income, which suits investors who own several properties or live outside Nashville. How DSCR works →

About Nashville

Living and buying in Nashville

Nashville's economy is anchored by healthcare. Vanderbilt University Medical Center is the area's largest employer and HCA Healthcare is headquartered here, alongside music, tourism and a growing corporate base.

Inside Davidson County, buyers range from bungalows and new infill in East Nashville and Sylvan Park to established estates in Green Hills and Belle Meade, which is its own small city.

Neighborhoods

Where buyers look

East Nashville
12 South
Sylvan Park
Green Hills
Germantown
Belle Meade

Schools: Metropolitan Nashville Public Schools. Check the district for any specific address before you buy.

Loans in Nashville

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

Nashville mortgage FAQ

What is the 2026 FHA loan limit in Nashville?: $1,029,250 for a one-unit home in Davidson County, the same as the 2026 conforming limit for the county.
Can I buy a Nashville home to run as an Airbnb?: Only in the right zone. Metro Nashville issues new non-owner-occupied STR permits only in certain mixed-use, commercial and downtown zones. A DSCR loan can qualify on long-term rent if a short-term permit isn't possible.
What are property taxes in Nashville?: In the Urban Services District the 2025 rate was $2.814 per $100 of assessed value, and homes are assessed at 25% of appraised value. A $400,000 home works out to about $2,814 a year.
Is Nick Grisanti licensed to lend in Nashville?: Yes. Nick is licensed as a Mortgage Loan Originator in Tennessee (TN #2719729), and loans are originated through C2 Financial Corporation, NMLS #135622.