If you’re buying a home in Georgia in 2026 with an FHA-backed mortgage, it’s important to understand the FHA loan limits. These limits, set by the U.S. Department of Housing and Urban Development (HUD), determine the maximum amount you can borrow with an FHA-insured loan. Staying within these limits helps you access benefits like lower down payment requirements and more flexible credit guidelines, while avoiding alternative financing that may come with higher costs.
In this guide, we’ll break down the 2026 FHA loan limits for Georgia, explain how they are calculated, and highlight what they mean for your homebuying options.
2026 FHA Loan Limits for Georgia
For 2026, FHA loan limits in Georgia for a single-family home begin at a baseline limit of $541,287. In designated higher-cost counties, where median home prices exceed HUD thresholds, the FHA loan limit increases to $718,750. This tiered structure reflects the diversity of Georgia’s housing markets, from more affordable rural areas to higher-priced metro regions such as parts of the Atlanta area.
| County | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| APPLING COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ATKINSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BACON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BAKER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BALDWIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BANKS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BARROW COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| BARTOW COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| BEN HILL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BERRIEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BIBB COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BLECKLEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BRANTLEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BROOKS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BRYAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BULLOCH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BURKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BUTTS COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| CALHOUN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CAMDEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CANDLER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CARROLL COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| CATOOSA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CHARLTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CHATHAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CHATTAHOOCHEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CHATTOOGA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CHEROKEE COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| CLARKE COUNTY | $616,400 | $789,100 | $953,850 | $1,185,400 |
| CLAY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CLAYTON COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| CLINCH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| COBB COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| COFFEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| COLQUITT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| COLUMBIA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| COOK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| COWETA COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| CRAWFORD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CRISP COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DADE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DAWSON COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| DECATUR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DEKALB COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| DODGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DOOLY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DOUGHERTY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DOUGLAS COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| EARLY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ECHOLS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| EFFINGHAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ELBERT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| EMANUEL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| EVANS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| FANNIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| FAYETTE COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| FLOYD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| FORSYTH COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| FRANKLIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| FULTON COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| GILMER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GLASCOCK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GLYNN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GORDON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GRADY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GREENE COUNTY | $638,250 | $817,050 | $987,650 | $1,227,400 |
| GWINNETT COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| HABERSHAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HALL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HANCOCK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HARALSON COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| HARRIS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HART COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HEARD COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| HENRY COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| HOUSTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| IRWIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JACKSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JASPER COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| JEFF DAVIS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JEFFERSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JENKINS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JOHNSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JONES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LAMAR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LANIER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LAURENS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LIBERTY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LINCOLN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LONG COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LOWNDES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LUMPKIN COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| MCDUFFIE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MCINTOSH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MACON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MADISON COUNTY | $616,400 | $789,100 | $953,850 | $1,185,400 |
| MARION COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MERIWETHER COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| MILLER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MITCHELL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MONROE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MONTGOMERY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MORGAN COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| MURRAY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MUSCOGEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| NEWTON COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| OCONEE COUNTY | $616,400 | $789,100 | $953,850 | $1,185,400 |
| OGLETHORPE COUNTY | $616,400 | $789,100 | $953,850 | $1,185,400 |
| PAULDING COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| PEACH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PICKENS COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| PIERCE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PIKE COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| POLK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PULASKI COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PUTNAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| QUITMAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| RABUN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| RANDOLPH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| RICHMOND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ROCKDALE COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| SCHLEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SCREVEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SEMINOLE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SPALDING COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| STEPHENS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| STEWART COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SUMTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TALBOT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TALIAFERRO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TATTNALL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TAYLOR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TELFAIR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TERRELL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| THOMAS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TIFT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TOOMBS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TOWNS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TREUTLEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TROUP COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TURNER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TWIGGS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| UNION COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| UPSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WALKER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WALTON COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 |
| WARE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WARREN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WASHINGTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WAYNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WEBSTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WHEELER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WHITE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WHITFIELD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WILCOX COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WILKES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WILKINSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WORTH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 |
How Are FHA Loan Limits Determined?
HUD sets FHA loan limits annually using a combination of national and local housing market data.
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National Floor and Ceiling: HUD establishes a minimum and maximum FHA loan limit for single-family homes each year.
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County Median Home Prices: Each county’s median home value is compared against HUD benchmarks to determine whether it qualifies for the baseline or a higher-cost limit.
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Property Type Adjustments: FHA loan limits increase for two-unit, three-unit, and four-unit properties.
In Georgia, most counties remain at the $541,287 baseline, while select higher-priced counties qualify for FHA limits up to $718,750.
HUD updates these limits annually to ensure FHA financing remains aligned with changing market conditions.
View mortgage rates for
April 19, 2026
Why Do FHA Loan Limits Matter?
FHA loan limits define how much you can borrow with FHA-insured financing and influence several key aspects of your mortgage strategy.
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Eligibility for FHA Financing: Loan amounts above your county’s FHA limit require conventional or jumbo financing.
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Down Payment Planning: FHA loans typically require just 3.5% down, making them accessible for many buyers.
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Refinance Options: FHA refinance programs, including FHA Streamline refinances, are only available up to the FHA limit.
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Monthly Costs and Mortgage Insurance: Staying within FHA limits allows borrowers to take advantage of FHA’s flexible underwriting standards.
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Competitive Markets: In higher-priced Georgia markets, understanding FHA caps helps buyers determine whether to increase their down payment or change loan types.
Benefits of Staying Within FHA Limits
FHA loans remain a popular choice, especially for first-time buyers and borrowers with limited savings, because they offer:
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Low Down Payment: As little as 3.5% for qualified borrowers
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Flexible Credit Requirements: FHA loans typically allow lower credit scores than conventional programs
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Competitive Interest Rates: FHA-backed mortgages often provide favorable rates
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Access to FHA Refinance Programs: Including FHA Streamline refinance options with reduced documentation
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Higher Limits in Select Counties: Some Georgia counties qualify for FHA loan limits up to $718,750, allowing buyers to finance higher-priced homes with FHA insurance
Understanding FHA loan limits is key to making informed decisions throughout your homebuying journey. Staying within these limits helps you access the unique benefits of FHA financing—like low down payments and flexible credit terms—while planning effectively for costs, refinancing options, and competitive bidding in your local market.
Frequently Asked Questions
How do FHA loan limits compare to Georgia conforming loan limits?
For 2026, Georgia conforming loan limits for single-family homes are $832,750 statewide. Georgia FHA loan limits range from $541,287 to $718,750, depending on county housing costs. FHA loans offer more flexible credit and lower down payment requirements, while conventional loans may be an option for borrowers whose loan amounts exceed FHA limits but remain within conforming limits.
How do I find my county’s FHA loan limit in Georgia?
To find your county’s FHA loan limit, you can use the official HUD FHA loan limits lookup tool, which provides detailed limits by county and property type. For convenience and accuracy, you can also use JVM Lending’s Loan Limit Checker, which quickly shows current FHA limits specific to your Georgia county, helping you verify eligibility before applying.
Can FHA loans be used to buy multi-unit properties in Georgia?
Yes. FHA loan limits increase for two-unit, three-unit, and four-unit properties. Borrowers must occupy one of the units as their primary residence.
Do FHA loan limits change every year in Georgia?
Yes, FHA loan limits are reviewed and updated annually by HUD, usually effective January 1. These adjustments reflect changes in home prices and median values across counties to ensure FHA financing remains aligned with local real estate markets. It’s important for borrowers to check current limits each year to understand their borrowing capacity.
Ready to Explore FHA Loan Options in Georgia?
If you’re planning to buy a home in Georgia using FHA financing in 2026, JVM Lending is here to help. Our mortgage experts can guide you through county-specific FHA limits, eligibility requirements, and the best loan strategy for your goals.
Contact us today to get started on your FHA loan in Georgia.
