Georgia Loan Limits by County, 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 159 Georgia counties. 34 counties are high-cost areas with FHA limits above the national floor.
Choose your county to see the answer.
CountyHouseholdIncomePriceSavings
More about loan limits
Georgia counties
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Appling County | $541,287 | $832,750 | Floor |
| Atkinson County | $541,287 | $832,750 | Floor |
| Bacon County | $541,287 | $832,750 | Floor |
| Baker County | $541,287 | $832,750 | Floor |
| Baldwin County | $541,287 | $832,750 | Floor |
| Banks County | $541,287 | $832,750 | Floor |
| Barrow County | $718,750 | $832,750 | High-cost |
| Bartow County | $718,750 | $832,750 | High-cost |
| Ben Hill County | $541,287 | $832,750 | Floor |
| Berrien County | $541,287 | $832,750 | Floor |
| Bibb County | $541,287 | $832,750 | Floor |
| Bleckley County | $541,287 | $832,750 | Floor |
| Brantley County | $541,287 | $832,750 | Floor |
| Brooks County | $541,287 | $832,750 | Floor |
| Bryan County | $541,287 | $832,750 | Floor |
| Bulloch County | $541,287 | $832,750 | Floor |
| Burke County | $541,287 | $832,750 | Floor |
| Butts County | $718,750 | $832,750 | High-cost |
| Calhoun County | $541,287 | $832,750 | Floor |
| Camden County | $541,287 | $832,750 | Floor |
| Candler County | $541,287 | $832,750 | Floor |
| Carroll County | $718,750 | $832,750 | High-cost |
| Catoosa County | $541,287 | $832,750 | Floor |
| Charlton County | $541,287 | $832,750 | Floor |
| Chatham County | $541,287 | $832,750 | Floor |
| Chattahoochee County | $541,287 | $832,750 | Floor |
| Chattooga County | $541,287 | $832,750 | Floor |
| Cherokee County | $718,750 | $832,750 | High-cost |
| Clarke County | $616,400 | $832,750 | High-cost |
| Clay County | $541,287 | $832,750 | Floor |
| Clayton County | $718,750 | $832,750 | High-cost |
| Clinch County | $541,287 | $832,750 | Floor |
| Cobb County | $718,750 | $832,750 | High-cost |
| Coffee County | $541,287 | $832,750 | Floor |
| Colquitt County | $541,287 | $832,750 | Floor |
| Columbia County | $541,287 | $832,750 | Floor |
| Cook County | $541,287 | $832,750 | Floor |
| Coweta County | $718,750 | $832,750 | High-cost |
| Crawford County | $541,287 | $832,750 | Floor |
| Crisp County | $541,287 | $832,750 | Floor |
| Dade County | $541,287 | $832,750 | Floor |
| Dawson County | $718,750 | $832,750 | High-cost |
| Decatur County | $541,287 | $832,750 | Floor |
| DeKalb County | $718,750 | $832,750 | High-cost |
| Dodge County | $541,287 | $832,750 | Floor |
| Dooly County | $541,287 | $832,750 | Floor |
| Dougherty County | $541,287 | $832,750 | Floor |
| Douglas County | $718,750 | $832,750 | High-cost |
| Early County | $541,287 | $832,750 | Floor |
| Echols County | $541,287 | $832,750 | Floor |
| Effingham County | $541,287 | $832,750 | Floor |
| Elbert County | $541,287 | $832,750 | Floor |
| Emanuel County | $541,287 | $832,750 | Floor |
| Evans County | $541,287 | $832,750 | Floor |
| Fannin County | $541,287 | $832,750 | Floor |
| Fayette County | $718,750 | $832,750 | High-cost |
| Floyd County | $541,287 | $832,750 | Floor |
| Forsyth County | $718,750 | $832,750 | High-cost |
| Franklin County | $541,287 | $832,750 | Floor |
| Fulton County | $718,750 | $832,750 | High-cost |
| Gilmer County | $541,287 | $832,750 | Floor |
| Glascock County | $541,287 | $832,750 | Floor |
| Glynn County | $541,287 | $832,750 | Floor |
| Gordon County | $541,287 | $832,750 | Floor |
| Grady County | $541,287 | $832,750 | Floor |
| Greene County | $638,250 | $832,750 | High-cost |
| Gwinnett County | $718,750 | $832,750 | High-cost |
| Habersham County | $541,287 | $832,750 | Floor |
| Hall County | $541,287 | $832,750 | Floor |
| Hancock County | $541,287 | $832,750 | Floor |
| Haralson County | $718,750 | $832,750 | High-cost |
| Harris County | $541,287 | $832,750 | Floor |
| Hart County | $541,287 | $832,750 | Floor |
| Heard County | $718,750 | $832,750 | High-cost |
| Henry County | $718,750 | $832,750 | High-cost |
| Houston County | $541,287 | $832,750 | Floor |
| Irwin County | $541,287 | $832,750 | Floor |
| Jackson County | $541,287 | $832,750 | Floor |
| Jasper County | $718,750 | $832,750 | High-cost |
| Jeff Davis County | $541,287 | $832,750 | Floor |
| Jefferson County | $541,287 | $832,750 | Floor |
| Jenkins County | $541,287 | $832,750 | Floor |
| Johnson County | $541,287 | $832,750 | Floor |
| Jones County | $541,287 | $832,750 | Floor |
| Lamar County | $541,287 | $832,750 | Floor |
| Lanier County | $541,287 | $832,750 | Floor |
| Laurens County | $541,287 | $832,750 | Floor |
| Lee County | $541,287 | $832,750 | Floor |
| Liberty County | $541,287 | $832,750 | Floor |
| Lincoln County | $541,287 | $832,750 | Floor |
| Long County | $541,287 | $832,750 | Floor |
| Lowndes County | $541,287 | $832,750 | Floor |
| Lumpkin County | $718,750 | $832,750 | High-cost |
| Macon County | $541,287 | $832,750 | Floor |
| Madison County | $616,400 | $832,750 | High-cost |
| Marion County | $541,287 | $832,750 | Floor |
| McDuffie County | $541,287 | $832,750 | Floor |
| McIntosh County | $541,287 | $832,750 | Floor |
| Meriwether County | $718,750 | $832,750 | High-cost |
| Miller County | $541,287 | $832,750 | Floor |
| Mitchell County | $541,287 | $832,750 | Floor |
| Monroe County | $541,287 | $832,750 | Floor |
| Montgomery County | $541,287 | $832,750 | Floor |
| Morgan County | $718,750 | $832,750 | High-cost |
| Murray County | $541,287 | $832,750 | Floor |
| Muscogee County | $541,287 | $832,750 | Floor |
| Newton County | $718,750 | $832,750 | High-cost |
| Oconee County | $616,400 | $832,750 | High-cost |
| Oglethorpe County | $616,400 | $832,750 | High-cost |
| Paulding County | $718,750 | $832,750 | High-cost |
| Peach County | $541,287 | $832,750 | Floor |
| Pickens County | $718,750 | $832,750 | High-cost |
| Pierce County | $541,287 | $832,750 | Floor |
| Pike County | $718,750 | $832,750 | High-cost |
| Polk County | $541,287 | $832,750 | Floor |
| Pulaski County | $541,287 | $832,750 | Floor |
| Putnam County | $541,287 | $832,750 | Floor |
| Quitman County | $541,287 | $832,750 | Floor |
| Rabun County | $541,287 | $832,750 | Floor |
| Randolph County | $541,287 | $832,750 | Floor |
| Richmond County | $541,287 | $832,750 | Floor |
| Rockdale County | $718,750 | $832,750 | High-cost |
| Schley County | $541,287 | $832,750 | Floor |
| Screven County | $541,287 | $832,750 | Floor |
| Seminole County | $541,287 | $832,750 | Floor |
| Spalding County | $718,750 | $832,750 | High-cost |
| Stephens County | $541,287 | $832,750 | Floor |
| Stewart County | $541,287 | $832,750 | Floor |
| Sumter County | $541,287 | $832,750 | Floor |
| Talbot County | $541,287 | $832,750 | Floor |
| Taliaferro County | $541,287 | $832,750 | Floor |
| Tattnall County | $541,287 | $832,750 | Floor |
| Taylor County | $541,287 | $832,750 | Floor |
| Telfair County | $541,287 | $832,750 | Floor |
| Terrell County | $541,287 | $832,750 | Floor |
| Thomas County | $541,287 | $832,750 | Floor |
| Tift County | $541,287 | $832,750 | Floor |
| Toombs County | $541,287 | $832,750 | Floor |
| Towns County | $541,287 | $832,750 | Floor |
| Treutlen County | $541,287 | $832,750 | Floor |
| Troup County | $541,287 | $832,750 | Floor |
| Turner County | $541,287 | $832,750 | Floor |
| Twiggs County | $541,287 | $832,750 | Floor |
| Union County | $541,287 | $832,750 | Floor |
| Upson County | $541,287 | $832,750 | Floor |
| Walker County | $541,287 | $832,750 | Floor |
| Walton County | $718,750 | $832,750 | High-cost |
| Ware County | $541,287 | $832,750 | Floor |
| Warren County | $541,287 | $832,750 | Floor |
| Washington County | $541,287 | $832,750 | Floor |
| Wayne County | $541,287 | $832,750 | Floor |
| Webster County | $541,287 | $832,750 | Floor |
| Wheeler County | $541,287 | $832,750 | Floor |
| White County | $541,287 | $832,750 | Floor |
| Whitfield County | $541,287 | $832,750 | Floor |
| Wilcox County | $541,287 | $832,750 | Floor |
| Wilkes County | $541,287 | $832,750 | Floor |
| Wilkinson County | $541,287 | $832,750 | Floor |
| Worth County | $541,287 | $832,750 | Floor |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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