Georgia loan limits 2026 by county
In 2026, every one of the 159 counties in Georgia has the $832,750 baseline conforming loan limit for a one-unit home. FHA limits run from $541,287 to $718,750: 34 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
$832,750
Highest conforming limit, 1 unit (2026)
0 of 159
Counties above the $832,750 baseline
$718,750
Highest FHA limit, 1 unit (2026)
34 of 159
Counties above the $541,287 FHA floor
FHA and conforming loan limits for every Georgia county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Appling County | $832,750 | $541,287 | Non-Metro |
| Atkinson County | $832,750 | $541,287 | Douglas, GA |
| Bacon County | $832,750 | $541,287 | Non-Metro |
| Baker County | $832,750 | $541,287 | Non-Metro |
| Baldwin County | $832,750 | $541,287 | Milledgeville, GA |
| Banks County | $832,750 | $541,287 | Non-Metro |
| Barrow County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Bartow County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Ben Hill County | $832,750 | $541,287 | Fitzgerald, GA |
| Berrien County | $832,750 | $541,287 | Non-Metro |
| Bibb County | $832,750 | $541,287 | Macon-Bibb County, GA |
| Bleckley County | $832,750 | $541,287 | Non-Metro |
| Brantley County | $832,750 | $541,287 | Brunswick-St. Simons, GA |
| Brooks County | $832,750 | $541,287 | Valdosta, GA |
| Bryan County | $832,750 | $541,287 | Savannah, GA |
| Bulloch County | $832,750 | $541,287 | Statesboro, GA |
| Burke County | $832,750 | $541,287 | Augusta-Richmond County, GA-SC |
| Butts County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Calhoun County | $832,750 | $541,287 | Non-Metro |
| Camden County | $832,750 | $541,287 | Kingsland, GA |
| Candler County | $832,750 | $541,287 | Non-Metro |
| Carroll County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Catoosa County | $832,750 | $541,287 | Chattanooga, TN-GA |
| Charlton County | $832,750 | $541,287 | Non-Metro |
| Chatham County | $832,750 | $541,287 | Savannah, GA |
| Chattahoochee County | $832,750 | $541,287 | Columbus, GA-AL |
| Chattooga County | $832,750 | $541,287 | Summerville, GA |
| Cherokee County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Clarke County | $832,750 | $616,400 | Athens-Clarke County, GA |
| Clay County | $832,750 | $541,287 | Non-Metro |
| Clayton County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Clinch County | $832,750 | $541,287 | Non-Metro |
| Cobb County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Coffee County | $832,750 | $541,287 | Douglas, GA |
| Colquitt County | $832,750 | $541,287 | Moultrie, GA |
| Columbia County | $832,750 | $541,287 | Augusta-Richmond County, GA-SC |
| Cook County | $832,750 | $541,287 | Non-Metro |
| Coweta County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Crawford County | $832,750 | $541,287 | Macon-Bibb County, GA |
| Crisp County | $832,750 | $541,287 | Cordele, GA |
| Dade County | $832,750 | $541,287 | Chattanooga, TN-GA |
| Dawson County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| DeKalb County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Decatur County | $832,750 | $541,287 | Bainbridge, GA |
| Dodge County | $832,750 | $541,287 | Non-Metro |
| Dooly County | $832,750 | $541,287 | Non-Metro |
| Dougherty County | $832,750 | $541,287 | Albany, GA |
| Douglas County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Early County | $832,750 | $541,287 | Non-Metro |
| Echols County | $832,750 | $541,287 | Valdosta, GA |
| Effingham County | $832,750 | $541,287 | Savannah, GA |
| Elbert County | $832,750 | $541,287 | Non-Metro |
| Emanuel County | $832,750 | $541,287 | Non-Metro |
| Evans County | $832,750 | $541,287 | Statesboro, GA |
| Fannin County | $832,750 | $541,287 | Non-Metro |
| Fayette County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Floyd County | $832,750 | $541,287 | Rome, GA |
| Forsyth County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Franklin County | $832,750 | $541,287 | Non-Metro |
| Fulton County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Gilmer County | $832,750 | $541,287 | Non-Metro |
| Glascock County | $832,750 | $541,287 | Non-Metro |
| Glynn County | $832,750 | $541,287 | Brunswick-St. Simons, GA |
| Gordon County | $832,750 | $541,287 | Calhoun, GA |
| Grady County | $832,750 | $541,287 | Thomasville, GA |
| Greene County | $832,750 | $638,250 | Non-Metro |
| Gwinnett County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Habersham County | $832,750 | $541,287 | Cornelia, GA |
| Hall County | $832,750 | $541,287 | Gainesville, GA |
| Hancock County | $832,750 | $541,287 | Non-Metro |
| Haralson County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Harris County | $832,750 | $541,287 | Columbus, GA-AL |
| Hart County | $832,750 | $541,287 | Non-Metro |
| Heard County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Henry County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Houston County | $832,750 | $541,287 | Warner Robins, GA |
| Irwin County | $832,750 | $541,287 | Non-Metro |
| Jackson County | $832,750 | $541,287 | Jefferson, GA |
| Jasper County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Jeff Davis County | $832,750 | $541,287 | Non-Metro |
| Jefferson County | $832,750 | $541,287 | Non-Metro |
| Jenkins County | $832,750 | $541,287 | Non-Metro |
| Johnson County | $832,750 | $541,287 | Dublin, GA |
| Jones County | $832,750 | $541,287 | Macon-Bibb County, GA |
| Lamar County | $832,750 | $541,287 | Non-Metro |
| Lanier County | $832,750 | $541,287 | Valdosta, GA |
| Laurens County | $832,750 | $541,287 | Dublin, GA |
| Lee County | $832,750 | $541,287 | Albany, GA |
| Liberty County | $832,750 | $541,287 | Hinesville, GA |
| Lincoln County | $832,750 | $541,287 | Augusta-Richmond County, GA-SC |
| Long County | $832,750 | $541,287 | Hinesville, GA |
| Lowndes County | $832,750 | $541,287 | Valdosta, GA |
| Lumpkin County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Macon County | $832,750 | $541,287 | Non-Metro |
| Madison County | $832,750 | $616,400 | Athens-Clarke County, GA |
| Marion County | $832,750 | $541,287 | Columbus, GA-AL |
| McDuffie County | $832,750 | $541,287 | Augusta-Richmond County, GA-SC |
| McIntosh County | $832,750 | $541,287 | Brunswick-St. Simons, GA |
| Meriwether County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Miller County | $832,750 | $541,287 | Non-Metro |
| Mitchell County | $832,750 | $541,287 | Non-Metro |
| Monroe County | $832,750 | $541,287 | Macon-Bibb County, GA |
| Montgomery County | $832,750 | $541,287 | Vidalia, GA |
| Morgan County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Murray County | $832,750 | $541,287 | Dalton, GA |
| Muscogee County | $832,750 | $541,287 | Columbus, GA-AL |
| Newton County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Oconee County | $832,750 | $616,400 | Athens-Clarke County, GA |
| Oglethorpe County | $832,750 | $616,400 | Athens-Clarke County, GA |
| Paulding County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Peach County | $832,750 | $541,287 | Warner Robins, GA |
| Pickens County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Pierce County | $832,750 | $541,287 | Waycross, GA |
| Pike County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Polk County | $832,750 | $541,287 | Cedartown, GA |
| Pulaski County | $832,750 | $541,287 | Non-Metro |
| Putnam County | $832,750 | $541,287 | Non-Metro |
| Quitman County | $832,750 | $541,287 | Eufaula, AL-GA |
| Rabun County | $832,750 | $541,287 | Non-Metro |
| Randolph County | $832,750 | $541,287 | Non-Metro |
| Richmond County | $832,750 | $541,287 | Augusta-Richmond County, GA-SC |
| Rockdale County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Schley County | $832,750 | $541,287 | Americus, GA |
| Screven County | $832,750 | $541,287 | Non-Metro |
| Seminole County | $832,750 | $541,287 | Non-Metro |
| Spalding County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Stephens County | $832,750 | $541,287 | Toccoa, GA |
| Stewart County | $832,750 | $541,287 | Columbus, GA-AL |
| Sumter County | $832,750 | $541,287 | Americus, GA |
| Talbot County | $832,750 | $541,287 | Columbus, GA-AL |
| Taliaferro County | $832,750 | $541,287 | Non-Metro |
| Tattnall County | $832,750 | $541,287 | Non-Metro |
| Taylor County | $832,750 | $541,287 | Non-Metro |
| Telfair County | $832,750 | $541,287 | Non-Metro |
| Terrell County | $832,750 | $541,287 | Albany, GA |
| Thomas County | $832,750 | $541,287 | Thomasville, GA |
| Tift County | $832,750 | $541,287 | Tifton, GA |
| Toombs County | $832,750 | $541,287 | Vidalia, GA |
| Towns County | $832,750 | $541,287 | Non-Metro |
| Treutlen County | $832,750 | $541,287 | Non-Metro |
| Troup County | $832,750 | $541,287 | Lagrange, GA-AL |
| Turner County | $832,750 | $541,287 | Tifton, GA |
| Twiggs County | $832,750 | $541,287 | Macon-Bibb County, GA |
| Union County | $832,750 | $541,287 | Non-Metro |
| Upson County | $832,750 | $541,287 | Thomaston, GA |
| Walker County | $832,750 | $541,287 | Chattanooga, TN-GA |
| Walton County | $832,750 | $718,750 | Atlanta-Sandy Springs-Roswell, GA |
| Ware County | $832,750 | $541,287 | Waycross, GA |
| Warren County | $832,750 | $541,287 | Non-Metro |
| Washington County | $832,750 | $541,287 | Non-Metro |
| Wayne County | $832,750 | $541,287 | Jesup, GA |
| Webster County | $832,750 | $541,287 | Non-Metro |
| Wheeler County | $832,750 | $541,287 | Non-Metro |
| White County | $832,750 | $541,287 | Non-Metro |
| Whitfield County | $832,750 | $541,287 | Dalton, GA |
| Wilcox County | $832,750 | $541,287 | Non-Metro |
| Wilkes County | $832,750 | $541,287 | Non-Metro |
| Wilkinson County | $832,750 | $541,287 | Non-Metro |
| Worth County | $832,750 | $541,287 | Albany, GA |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Georgia
Barrow County ($718,750), Bartow County ($718,750), Butts County ($718,750), Carroll County ($718,750) and Cherokee County ($718,750). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Georgia
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Georgia fair market rentsHUD Fair Market Rents for every Georgia county, studios to 4 bedrooms.
- Georgia property tax ratesEffective property tax rate for every Georgia county from survey data.
Buying in Georgia? Check the title first
AI title search, $49 per report. Usually ready in about a minute. Full refund if we can't deliver.
HeritageDeed searches title in Atlanta: Georgia title search coverage.
Questions about Georgia loan limits
What are the FHA loan limits in Georgia for 2026?
$541,287 to $718,750 for a one-unit home, depending on the county. 34 counties are above the national floor of $541,287, led by Barrow County ($718,750), Bartow County ($718,750) and Butts County ($718,750); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Georgia for 2026?
$832,750 for a one-unit home in every Georgia county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Georgia?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Georgia for 2026: 25 percent of that limit minus the entitlement already used.
Which Georgia counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Barrow County at $718,750. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Alabama loan limitsFlorida loan limitsNorth Carolina loan limitsSouth Carolina loan limitsTennessee loan limits
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/georgia. Not lending advice.