Clay County, Georgia has a 2026 one-unit conforming loan limit of $832,750, which is 8.8 times the county's median home value of $94,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $49,147 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $94,400 |
| Georgia median home value | $303,300 |
| Limit ÷ median home value | 8.82× |
| Median household income | $49,147 |
| Median home value ÷ income | 1.9× |
| Population | 2,850 |
| Median property tax paid (owners) | $937 |
| Effective property tax rate (approx.) | 0.99% |
| Owner-occupied homes | 78.3% |
| Home value rank in Georgia | 144 of 159 counties |
| Neighbor: Barbour County, AL | limit $832,750; median home $112,900 |
| Neighbor: Henry County, AL | limit $832,750; median home $161,000 |
| Neighbor: Calhoun County, GA | limit $832,750; median home $81,000 |
| Neighbor: Early County, GA | limit $832,750; median home $131,300 |
| Neighbor: Quitman County, GA | limit $832,750; median home $104,600 |
| Neighbor: Randolph County, GA | limit $832,750; median home $90,200 |
Across Georgia's 159 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 69% below the state median of $303,300 (rank 144 of 159). Among its 6 neighboring counties, Henry County has the highest median home value ($161,000) and Calhoun County the lowest ($81,000); all share the same loan limit. Owners pay a median $937 a year in property tax, an effective rate of about 0.99% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Clay County, AL
- 2026 conforming loan limit: Clay County, AR
- 2026 conforming loan limit: Clay County, FL
- 2026 conforming loan limit: Clay County, IA
- 2026 conforming loan limit: Clay County, IL
- 2026 conforming loan limit: Clay County, IN
- 2026 conforming loan limit: Clay County, KS
- 2026 conforming loan limit: Clay County, KY
Last updated 2026-10-16. Data only, not financial or tax advice.