Tennessee USDA Loans

My state-specific information

Eligibility Requirements – Tennessee

House-hunting in Tennessee? A USDA loan may be just what you’re looking for. USDA loans are flexible enough to meet almost any situation, and fixed interest rates mean that your payments won’t increase over time. In Tennessee, the average household income limit for a family of 1-4 is about $119,850 a year, and can be as high as $174,350 for families of 5 or more. Fill out the form above to get in touch with one of our USDA loan specialists and find out what a USDA loan can do for you.

This map shows the areas of Tennessee that qualify for USDA loans. For more information on eligible areas, check out the USDA property eligibility screen.

Tennessee USDA Income Limits (Moderate Income – Guaranteed Loan)

Most areas of Tennessee follow the standard USDA income limit. The Nashville metro area has higher limits due to local housing costs.

Area 1–4 Person 5+ Person
Standard Tennessee Limit (Most Counties & MSAs) $119,850 $158,250
Nashville-Davidson–Murfreesboro–Franklin, TN HUD Metro FMR Area $132,050 $174,350

USDA income limits in Tennessee are based on total household income and household size. This includes income from all adult household members, not just the borrower.

If your total qualifying household income is within the limit for your area and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).

Check Your Tennessee USDA Eligibility

USDA loans are available in eligible rural and suburban areas throughout Tennessee. We can quickly:

  • Verify your household income eligibility
  • Confirm the property is in a USDA-eligible location
  • Provide a fast payment estimate and next steps


Get Pre-Qualified


or request a quick eligibility review.

Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.

  • NO down payment – Finance 100% of your home
  • NO maximum loan amount in Tennessee.
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties

Start your Tennessee USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

What areas are eligible?

USDA Eligibility Map – Tennessee