Cook County, Georgia has a 2026 one-unit conforming loan limit of $832,750, which is 5.3 times the county's median home value of $157,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $53,651 (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) | $157,500 |
| Georgia median home value | $303,300 |
| Limit ÷ median home value | 5.29× |
| Median household income | $53,651 |
| Median home value ÷ income | 2.9× |
| Population | 17,532 |
| Median property tax paid (owners) | $1,221 |
| Effective property tax rate (approx.) | 0.78% |
| Owner-occupied homes | 66.0% |
| Home value rank in Georgia | 91 of 159 counties |
| Neighbor: Berrien County, GA | limit $832,750; median home $131,600 |
| Neighbor: Brooks County, GA | limit $832,750; median home $139,200 |
| Neighbor: Colquitt County, GA | limit $832,750; median home $121,400 |
| Neighbor: Lowndes County, GA | limit $832,750; median home $215,600 |
| Neighbor: Tift County, GA | limit $832,750; median home $165,200 |
Across Georgia's 159 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cook County's median home value is 48% below the state median of $303,300 (rank 91 of 159). Among its 5 neighboring counties, Lowndes County has the highest median home value ($215,600) and Colquitt County the lowest ($121,400); all share the same loan limit. Owners pay a median $1,221 a year in property tax, an effective rate of about 0.78% 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.
Frequently asked questions
What is the conforming loan limit in Cook County, Georgia?
Cook County, Georgia has a 2026 one-unit conforming loan limit of $832,750, which is 5.3 times the county's median home value of $157,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $53,651 (FHFA; Census ACS 2020–2024).
What is the median home value in Cook County, Georgia?
The median owner-occupied home value in Cook County is $157,500 (ACS 2020–2024), versus $303,300 statewide.
Do I need a jumbo loan in Cook County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $157,500, so the cap is 5.29 times the typical home value.
Related
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Last updated Oct 18, 2026, 10:02 PM ET. Data only, not financial or tax advice.
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