What are the loan limits in each Georgia county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Appling County | $832,750 | $541,287 | $693,050 | $81,400 |
| Atkinson County | $832,750 | $541,287 | $693,050 | $76,300 |
| Bacon County | $832,750 | $541,287 | $693,050 | $104,100 |
| Baker County | $832,750 | $541,287 | $693,050 | $120,100 |
| Baldwin County | $832,750 | $541,287 | $693,050 | $164,700 |
| Banks County | $832,750 | $541,287 | $693,050 | $251,700 |
| Barrow County | $832,750 | $718,750 | $920,150 | $255,200 |
| Bartow County | $832,750 | $718,750 | $920,150 | $262,200 |
| Ben Hill County | $832,750 | $541,287 | $693,050 | $114,600 |
| Berrien County | $832,750 | $541,287 | $693,050 | $115,200 |
| Bibb County | $832,750 | $541,287 | $693,050 | $165,800 |
| Bleckley County | $832,750 | $541,287 | $693,050 | $132,900 |
| Brantley County | $832,750 | $541,287 | $693,050 | $91,800 |
| Brooks County | $832,750 | $541,287 | $693,050 | $118,100 |
| Bryan County | $832,750 | $541,287 | $693,050 | $317,100 |
| Bulloch County | $832,750 | $541,287 | $693,050 | $191,600 |
| Burke County | $832,750 | $541,287 | $693,050 | $107,800 |
| Butts County | $832,750 | $718,750 | $920,150 | $227,800 |
| Calhoun County | $832,750 | $541,287 | $693,050 | $82,200 |
| Camden County | $832,750 | $541,287 | $693,050 | $233,900 |
| Candler County | $832,750 | $541,287 | $693,050 | $135,600 |
| Carroll County | $832,750 | $718,750 | $920,150 | $227,500 |
| Catoosa County | $832,750 | $541,287 | $693,050 | $214,200 |
| Charlton County | $832,750 | $541,287 | $693,050 | $119,000 |
| Chatham County | $832,750 | $541,287 | $693,050 | $273,300 |
| Chattahoochee County | $832,750 | $541,287 | $693,050 | $99,800 |
| Chattooga County | $832,750 | $541,287 | $693,050 | $98,700 |
| Cherokee County | $832,750 | $718,750 | $920,150 | $389,800 |
| Clarke County | $832,750 | $616,400 | $789,100 | $271,900 |
| Clay County | $832,750 | $541,287 | $693,050 | $92,500 |
| Clayton County | $832,750 | $718,750 | $920,150 | $194,500 |
| Clinch County | $832,750 | $541,287 | $693,050 | $86,300 |
| Cobb County | $832,750 | $718,750 | $920,150 | $373,700 |
| Coffee County | $832,750 | $541,287 | $693,050 | $125,700 |
| Colquitt County | $832,750 | $541,287 | $693,050 | $121,400 |
| Columbia County | $832,750 | $541,287 | $693,050 | $287,400 |
| Cook County | $832,750 | $541,287 | $693,050 | $123,000 |
| Coweta County | $832,750 | $718,750 | $920,150 | $321,900 |
| Crawford County | $832,750 | $541,287 | $693,050 | $144,800 |
| Crisp County | $832,750 | $541,287 | $693,050 | $120,800 |
| Dade County | $832,750 | $541,287 | $693,050 | $166,600 |
| Dawson County | $832,750 | $718,750 | $920,150 | $351,900 |
| Decatur County | $832,750 | $541,287 | $693,050 | $146,200 |
| DeKalb County | $832,750 | $718,750 | $920,150 | $331,400 |
| Dodge County | $832,750 | $541,287 | $693,050 | $108,700 |
| Dooly County | $832,750 | $541,287 | $693,050 | $96,400 |
| Dougherty County | $832,750 | $541,287 | $693,050 | $129,200 |
| Douglas County | $832,750 | $718,750 | $920,150 | $262,200 |
| Early County | $832,750 | $541,287 | $693,050 | $130,100 |
| Echols County | $832,750 | $541,287 | $693,050 | $112,600 |
| Effingham County | $832,750 | $541,287 | $693,050 | $245,300 |
| Elbert County | $832,750 | $541,287 | $693,050 | $114,600 |
| Emanuel County | $832,750 | $541,287 | $693,050 | $88,200 |
| Evans County | $832,750 | $541,287 | $693,050 | $139,700 |
| Fannin County | $832,750 | $541,287 | $693,050 | $274,600 |
| Fayette County | $832,750 | $718,750 | $920,150 | $405,600 |
| Floyd County | $832,750 | $541,287 | $693,050 | $194,100 |
| Forsyth County | $832,750 | $718,750 | $920,150 | $493,800 |
| Franklin County | $832,750 | $541,287 | $693,050 | $160,600 |
| Fulton County | $832,750 | $718,750 | $920,150 | $431,200 |
| Gilmer County | $832,750 | $541,287 | $693,050 | $278,900 |
| Glascock County | $832,750 | $541,287 | $693,050 | $122,800 |
| Glynn County | $832,750 | $541,287 | $693,050 | $268,300 |
| Gordon County | $832,750 | $541,287 | $693,050 | $205,600 |
| Grady County | $832,750 | $541,287 | $693,050 | $136,500 |
| Greene County | $832,750 | $638,250 | $817,050 | $342,200 |
| Gwinnett County | $832,750 | $718,750 | $920,150 | $345,700 |
| Habersham County | $832,750 | $541,287 | $693,050 | $212,000 |
| Hall County | $832,750 | $541,287 | $693,050 | $313,600 |
| Hancock County | $832,750 | $541,287 | $693,050 | $87,400 |
| Haralson County | $832,750 | $718,750 | $920,150 | $210,400 |
| Harris County | $832,750 | $541,287 | $693,050 | $278,700 |
| Hart County | $832,750 | $541,287 | $693,050 | $206,500 |
| Heard County | $832,750 | $718,750 | $920,150 | $161,000 |
| Henry County | $832,750 | $718,750 | $920,150 | $277,400 |
| Houston County | $832,750 | $541,287 | $693,050 | $205,600 |
| Irwin County | $832,750 | $541,287 | $693,050 | $105,300 |
| Jackson County | $832,750 | $541,287 | $693,050 | $312,700 |
| Jasper County | $832,750 | $718,750 | $920,150 | $219,700 |
| Jeff Davis County | $832,750 | $541,287 | $693,050 | $109,300 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $93,100 |
| Jenkins County | $832,750 | $541,287 | $693,050 | $81,100 |
| Johnson County | $832,750 | $541,287 | $693,050 | $91,200 |
| Jones County | $832,750 | $541,287 | $693,050 | $174,600 |
| Lamar County | $832,750 | $541,287 | $693,050 | $201,400 |
| Lanier County | $832,750 | $541,287 | $693,050 | $161,100 |
| Laurens County | $832,750 | $541,287 | $693,050 | $137,400 |
| Lee County | $832,750 | $541,287 | $693,050 | $226,900 |
| Liberty County | $832,750 | $541,287 | $693,050 | $180,200 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $163,600 |
| Long County | $832,750 | $541,287 | $693,050 | $196,500 |
| Lowndes County | $832,750 | $541,287 | $693,050 | $197,900 |
| Lumpkin County | $832,750 | $718,750 | $920,150 | $277,200 |
| Macon County | $832,750 | $541,287 | $693,050 | $87,000 |
| Madison County | $832,750 | $616,400 | $789,100 | $198,800 |
| Marion County | $832,750 | $541,287 | $693,050 | $122,100 |
| McDuffie County | $832,750 | $541,287 | $693,050 | $155,100 |
| McIntosh County | $832,750 | $541,287 | $693,050 | $173,900 |
| Meriwether County | $832,750 | $718,750 | $920,150 | $154,600 |
| Miller County | $832,750 | $541,287 | $693,050 | $118,300 |
| Mitchell County | $832,750 | $541,287 | $693,050 | $105,500 |
| Monroe County | $832,750 | $541,287 | $693,050 | $243,200 |
| Montgomery County | $832,750 | $541,287 | $693,050 | $118,200 |
| Morgan County | $832,750 | $718,750 | $920,150 | $323,100 |
| Murray County | $832,750 | $541,287 | $693,050 | $173,300 |
| Muscogee County | $832,750 | $541,287 | $693,050 | $182,300 |
| Newton County | $832,750 | $718,750 | $920,150 | $233,300 |
| Oconee County | $832,750 | $616,400 | $789,100 | $425,100 |
| Oglethorpe County | $832,750 | $616,400 | $789,100 | $198,700 |
| Paulding County | $832,750 | $718,750 | $920,150 | $289,000 |
| Peach County | $832,750 | $541,287 | $693,050 | $186,100 |
| Pickens County | $832,750 | $718,750 | $920,150 | $289,600 |
| Pierce County | $832,750 | $541,287 | $693,050 | $132,100 |
| Pike County | $832,750 | $718,750 | $920,150 | $265,700 |
| Polk County | $832,750 | $541,287 | $693,050 | $163,500 |
| Pulaski County | $832,750 | $541,287 | $693,050 | $144,300 |
| Putnam County | $832,750 | $541,287 | $693,050 | $222,000 |
| Quitman County | $832,750 | $541,287 | $693,050 | $103,000 |
| Rabun County | $832,750 | $541,287 | $693,050 | $272,600 |
| Randolph County | $832,750 | $541,287 | $693,050 | $90,900 |
| Richmond County | $832,750 | $541,287 | $693,050 | $163,300 |
| Rockdale County | $832,750 | $718,750 | $920,150 | $256,600 |
| Schley County | $832,750 | $541,287 | $693,050 | $152,900 |
| Screven County | $832,750 | $541,287 | $693,050 | $122,300 |
| Seminole County | $832,750 | $541,287 | $693,050 | $111,600 |
| Spalding County | $832,750 | $718,750 | $920,150 | $196,600 |
| Stephens County | $832,750 | $541,287 | $693,050 | $168,200 |
| Stewart County | $832,750 | $541,287 | $693,050 | $53,000 |
| Sumter County | $832,750 | $541,287 | $693,050 | $122,300 |
| Talbot County | $832,750 | $541,287 | $693,050 | $127,200 |
| Taliaferro County | $832,750 | $541,287 | $693,050 | $73,100 |
| Tattnall County | $832,750 | $541,287 | $693,050 | $122,400 |
| Taylor County | $832,750 | $541,287 | $693,050 | $82,900 |
| Telfair County | $832,750 | $541,287 | $693,050 | $108,200 |
| Terrell County | $832,750 | $541,287 | $693,050 | $111,500 |
| Thomas County | $832,750 | $541,287 | $693,050 | $185,300 |
| Tift County | $832,750 | $541,287 | $693,050 | $143,100 |
| Toombs County | $832,750 | $541,287 | $693,050 | $127,100 |
| Towns County | $832,750 | $541,287 | $693,050 | $311,900 |
| Treutlen County | $832,750 | $541,287 | $693,050 | $98,400 |
| Troup County | $832,750 | $541,287 | $693,050 | $187,800 |
| Turner County | $832,750 | $541,287 | $693,050 | $95,200 |
| Twiggs County | $832,750 | $541,287 | $693,050 | $104,500 |
| Union County | $832,750 | $541,287 | $693,050 | $272,600 |
| Upson County | $832,750 | $541,287 | $693,050 | $149,500 |
| Walker County | $832,750 | $541,287 | $693,050 | $173,900 |
| Walton County | $832,750 | $718,750 | $920,150 | $300,500 |
| Ware County | $832,750 | $541,287 | $693,050 | $106,500 |
| Warren County | $832,750 | $541,287 | $693,050 | $78,000 |
| Washington County | $832,750 | $541,287 | $693,050 | $115,600 |
| Wayne County | $832,750 | $541,287 | $693,050 | $149,800 |
| Webster County | $832,750 | $541,287 | $693,050 | $92,200 |
| Wheeler County | $832,750 | $541,287 | $693,050 | $74,600 |
| White County | $832,750 | $541,287 | $693,050 | $262,200 |
| Whitfield County | $832,750 | $541,287 | $693,050 | $198,900 |
| Wilcox County | $832,750 | $541,287 | $693,050 | $71,200 |
| Wilkes County | $832,750 | $541,287 | $693,050 | $105,000 |
| Wilkinson County | $832,750 | $541,287 | $693,050 | $90,800 |
| Worth County | $832,750 | $541,287 | $693,050 | $112,400 |
Which Georgia counties are high-cost areas?
No Georgia county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Georgia
Frequently asked questions
FHA one-unit limits in Georgia start at $541,287. In Fulton County, the most populous county, it's $718,750.
The 2026 one-unit conforming limit in Fulton County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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