Georgia Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 159 counties in Georgia. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
Avg FHA Limit
$541,287
Avg Conforming
$832,750
Max FHA Limit
$541,287
Counties
159
2026 Loan Limits by County in Georgia
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Appling County | $541,287 | $832,750 | $76,700 |
| 2 | Atkinson County | $541,287 | $832,750 | $79,000 |
| 3 | Bacon County | $541,287 | $832,750 | $101,400 |
| 4 | Baker County | $541,287 | $832,750 | $119,500 |
| 5 | Baldwin County | $541,287 | $832,750 | $181,900 |
| 6 | Banks County | $541,287 | $832,750 | $278,100 |
| 7 | Barrow County | $541,287 | $832,750 | $294,700 |
| 8 | Bartow County | $541,287 | $832,750 | $289,000 |
| 9 | Ben Hill County | $541,287 | $832,750 | $112,700 |
| 10 | Berrien County | $541,287 | $832,750 | $131,600 |
| 11 | Bibb County | $541,287 | $832,750 | $174,500 |
| 12 | Bleckley County | $541,287 | $832,750 | $149,600 |
| 13 | Brantley County | $541,287 | $832,750 | $99,600 |
| 14 | Brooks County | $541,287 | $832,750 | $139,200 |
| 15 | Bryan County | $541,287 | $832,750 | $343,200 |
| 16 | Bulloch County | $541,287 | $832,750 | $222,500 |
| 17 | Burke County | $541,287 | $832,750 | $151,600 |
| 18 | Butts County | $541,287 | $832,750 | $240,600 |
| 19 | Calhoun County | $541,287 | $832,750 | $81,000 |
| 20 | Camden County | $541,287 | $832,750 | $261,400 |
| 21 | Candler County | $541,287 | $832,750 | $159,200 |
| 22 | Carroll County | $541,287 | $832,750 | $255,100 |
| 23 | Catoosa County | $541,287 | $832,750 | $240,900 |
| 24 | Charlton County | $541,287 | $832,750 | $142,800 |
| 25 | Chatham County | $541,287 | $832,750 | $302,700 |
| 26 | Chattahoochee County | $541,287 | $832,750 | $102,700 |
| 27 | Chattooga County | $541,287 | $832,750 | $115,600 |
| 28 | Cherokee County | $541,287 | $832,750 | $435,100 |
| 29 | Clarke County | $541,287 | $832,750 | $298,900 |
| 30 | Clay County | $541,287 | $832,750 | $94,400 |
| 31 | Clayton County | $541,287 | $832,750 | $222,300 |
| 32 | Clinch County | $541,287 | $832,750 | $84,400 |
| 33 | Cobb County | $541,287 | $832,750 | $407,200 |
| 34 | Coffee County | $541,287 | $832,750 | $128,900 |
| 35 | Colquitt County | $541,287 | $832,750 | $121,400 |
| 36 | Columbia County | $541,287 | $832,750 | $305,300 |
| 37 | Cook County | $541,287 | $832,750 | $157,500 |
| 38 | Coweta County | $541,287 | $832,750 | $357,500 |
| 39 | Crawford County | $541,287 | $832,750 | $164,100 |
| 40 | Crisp County | $541,287 | $832,750 | $140,200 |
| 41 | Dade County | $541,287 | $832,750 | $198,500 |
| 42 | Dawson County | $541,287 | $832,750 | $406,700 |
| 43 | DeKalb County | $541,287 | $832,750 | $357,800 |
| 44 | Decatur County | $541,287 | $832,750 | $158,800 |
| 45 | Dodge County | $541,287 | $832,750 | $118,100 |
| 46 | Dooly County | $541,287 | $832,750 | $107,400 |
| 47 | Dougherty County | $541,287 | $832,750 | $134,400 |
| 48 | Douglas County | $541,287 | $832,750 | $296,900 |
| 49 | Early County | $541,287 | $832,750 | $131,300 |
| 50 | Echols County | $541,287 | $832,750 | $124,100 |
| 51 | Effingham County | $541,287 | $832,750 | $276,000 |
| 52 | Elbert County | $541,287 | $832,750 | $142,000 |
| 53 | Emanuel County | $541,287 | $832,750 | $94,700 |
| 54 | Evans County | $541,287 | $832,750 | $138,200 |
| 55 | Fannin County | $541,287 | $832,750 | $306,600 |
| 56 | Fayette County | $541,287 | $832,750 | $436,400 |
| 57 | Floyd County | $541,287 | $832,750 | $217,900 |
| 58 | Forsyth County | $541,287 | $832,750 | $550,400 |
| 59 | Franklin County | $541,287 | $832,750 | $179,000 |
| 60 | Fulton County | $541,287 | $832,750 | $458,800 |
| 61 | Gilmer County | $541,287 | $832,750 | $314,000 |
| 62 | Glascock County | $541,287 | $832,750 | $123,800 |
| 63 | Glynn County | $541,287 | $832,750 | $301,300 |
| 64 | Gordon County | $541,287 | $832,750 | $222,900 |
| 65 | Grady County | $541,287 | $832,750 | $152,400 |
| 66 | Greene County | $541,287 | $832,750 | $394,800 |
| 67 | Gwinnett County | $541,287 | $832,750 | $380,900 |
| 68 | Habersham County | $541,287 | $832,750 | $238,300 |
| 69 | Hall County | $541,287 | $832,750 | $350,400 |
| 70 | Hancock County | $541,287 | $832,750 | $88,600 |
| 71 | Haralson County | $541,287 | $832,750 | $227,500 |
| 72 | Harris County | $541,287 | $832,750 | $302,800 |
| 73 | Hart County | $541,287 | $832,750 | $215,100 |
| 74 | Heard County | $541,287 | $832,750 | $186,800 |
| 75 | Henry County | $541,287 | $832,750 | $313,900 |
| 76 | Houston County | $541,287 | $832,750 | $219,800 |
| 77 | Irwin County | $541,287 | $832,750 | $105,600 |
| 78 | Jackson County | $541,287 | $832,750 | $345,000 |
| 79 | Jasper County | $541,287 | $832,750 | $243,400 |
| 80 | Jeff Davis County | $541,287 | $832,750 | $118,300 |
| 81 | Jefferson County | $541,287 | $832,750 | $105,400 |
| 82 | Jenkins County | $541,287 | $832,750 | $92,900 |
| 83 | Johnson County | $541,287 | $832,750 | $94,900 |
| 84 | Jones County | $541,287 | $832,750 | $194,500 |
| 85 | Lamar County | $541,287 | $832,750 | $216,500 |
| 86 | Lanier County | $541,287 | $832,750 | $162,300 |
| 87 | Laurens County | $541,287 | $832,750 | $154,500 |
| 88 | Lee County | $541,287 | $832,750 | $231,800 |
| 89 | Liberty County | $541,287 | $832,750 | $201,500 |
| 90 | Lincoln County | $541,287 | $832,750 | $165,900 |
| 91 | Long County | $541,287 | $832,750 | $218,300 |
| 92 | Lowndes County | $541,287 | $832,750 | $215,600 |
| 93 | Lumpkin County | $541,287 | $832,750 | $307,900 |
| 94 | Macon County | $541,287 | $832,750 | $97,300 |
| 95 | Madison County | $541,287 | $832,750 | $219,700 |
| 96 | Marion County | $541,287 | $832,750 | $154,100 |
| 97 | McDuffie County | $541,287 | $832,750 | $170,200 |
| 98 | McIntosh County | $541,287 | $832,750 | $182,700 |
| 99 | Meriwether County | $541,287 | $832,750 | $168,800 |
| 100 | Miller County | $541,287 | $832,750 | $124,000 |
| 101 | Mitchell County | $541,287 | $832,750 | $106,000 |
| 102 | Monroe County | $541,287 | $832,750 | $271,200 |
| 103 | Montgomery County | $541,287 | $832,750 | $115,500 |
| 104 | Morgan County | $541,287 | $832,750 | $342,300 |
| 105 | Murray County | $541,287 | $832,750 | $180,700 |
| 106 | Muscogee County | $541,287 | $832,750 | $193,900 |
| 107 | Newton County | $541,287 | $832,750 | $265,000 |
| 108 | Oconee County | $541,287 | $832,750 | $461,600 |
| 109 | Oglethorpe County | $541,287 | $832,750 | $231,600 |
| 110 | Paulding County | $541,287 | $832,750 | $326,300 |
| 111 | Peach County | $541,287 | $832,750 | $207,800 |
| 112 | Pickens County | $541,287 | $832,750 | $332,700 |
| 113 | Pierce County | $541,287 | $832,750 | $153,300 |
| 114 | Pike County | $541,287 | $832,750 | $305,600 |
| 115 | Polk County | $541,287 | $832,750 | $187,600 |
| 116 | Pulaski County | $541,287 | $832,750 | $157,600 |
| 117 | Putnam County | $541,287 | $832,750 | $249,300 |
| 118 | Quitman County | $541,287 | $832,750 | $104,600 |
| 119 | Rabun County | $541,287 | $832,750 | $295,200 |
| 120 | Randolph County | $541,287 | $832,750 | $90,200 |
| 121 | Richmond County | $541,287 | $832,750 | $178,500 |
| 122 | Rockdale County | $541,287 | $832,750 | $292,900 |
| 123 | Schley County | $541,287 | $832,750 | $143,900 |
| 124 | Screven County | $541,287 | $832,750 | $124,300 |
| 125 | Seminole County | $541,287 | $832,750 | $121,900 |
| 126 | Spalding County | $541,287 | $832,750 | $228,700 |
| 127 | Stephens County | $541,287 | $832,750 | $175,300 |
| 128 | Stewart County | $541,287 | $832,750 | $65,100 |
| 129 | Sumter County | $541,287 | $832,750 | $120,200 |
| 130 | Talbot County | $541,287 | $832,750 | $117,100 |
| 131 | Taliaferro County | $541,287 | $832,750 | $68,900 |
| 132 | Tattnall County | $541,287 | $832,750 | $140,000 |
| 133 | Taylor County | $541,287 | $832,750 | $87,700 |
| 134 | Telfair County | $541,287 | $832,750 | $113,300 |
| 135 | Terrell County | $541,287 | $832,750 | $118,400 |
| 136 | Thomas County | $541,287 | $832,750 | $196,700 |
| 137 | Tift County | $541,287 | $832,750 | $165,200 |
| 138 | Toombs County | $541,287 | $832,750 | $137,000 |
| 139 | Towns County | $541,287 | $832,750 | $316,100 |
| 140 | Treutlen County | $541,287 | $832,750 | $100,100 |
| 141 | Troup County | $541,287 | $832,750 | $217,200 |
| 142 | Turner County | $541,287 | $832,750 | $97,300 |
| 143 | Twiggs County | $541,287 | $832,750 | $111,300 |
| 144 | Union County | $541,287 | $832,750 | $307,400 |
| 145 | Upson County | $541,287 | $832,750 | $168,700 |
| 146 | Walker County | $541,287 | $832,750 | $197,100 |
| 147 | Walton County | $541,287 | $832,750 | $339,500 |
| 148 | Ware County | $541,287 | $832,750 | $109,500 |
| 149 | Warren County | $541,287 | $832,750 | $67,100 |
| 150 | Washington County | $541,287 | $832,750 | $112,500 |
| 151 | Wayne County | $541,287 | $832,750 | $162,800 |
| 152 | Webster County | $541,287 | $832,750 | $82,600 |
| 153 | Wheeler County | $541,287 | $832,750 | $88,200 |
| 154 | White County | $541,287 | $832,750 | $278,900 |
| 155 | Whitfield County | $541,287 | $832,750 | $218,000 |
| 156 | Wilcox County | $541,287 | $832,750 | $87,600 |
| 157 | Wilkes County | $541,287 | $832,750 | $122,700 |
| 158 | Wilkinson County | $541,287 | $832,750 | $86,300 |
| 159 | Worth County | $541,287 | $832,750 | $104,900 |
About Georgia's Mortgage Market
Georgia has 159 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Georgia range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using Georgia-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Georgia?
The highest 2026 FHA limit in Georgia is $541,287 for a single-family home.
What is the maximum conforming loan limit in Georgia?
The highest 2026 conforming loan limit in Georgia is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Georgia?
Georgia has 159 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.