Effingham County, Georgia has a 2026 one-unit conforming loan limit of $832,750, which is 3.0 times the county's median home value of $276,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $88,438 (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) | $276,000 |
| Georgia median home value | $303,300 |
| Limit ÷ median home value | 3.02× |
| Median household income | $88,438 |
| Median home value ÷ income | 3.1× |
| Population | 69,143 |
| Median property tax paid (owners) | $2,495 |
| Effective property tax rate (approx.) | 0.90% |
| Owner-occupied homes | 78.4% |
| Home value rank in Georgia | 38 of 159 counties |
| Neighbor: Bryan County, GA | limit $832,750; median home $343,200 |
| Neighbor: Bulloch County, GA | limit $832,750; median home $222,500 |
| Neighbor: Chatham County, GA | limit $832,750; median home $302,700 |
| Neighbor: Screven County, GA | limit $832,750; median home $124,300 |
| Neighbor: Hampton County, SC | limit $832,750; median home $112,000 |
| Neighbor: Jasper County, SC | limit $832,750; median home $325,500 |
Across Georgia's 159 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Effingham County's median home value is 9% below the state median of $303,300 (rank 38 of 159). Among its 6 neighboring counties, Bryan County has the highest median home value ($343,200) and Hampton County the lowest ($112,000); all share the same loan limit. Owners pay a median $2,495 a year in property tax, an effective rate of about 0.90% 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: Edwards County, IL
- 2026 conforming loan limit: Edwards County, KS
- 2026 conforming loan limit: Edwards County, TX
- 2026 conforming loan limit: Effingham County, IL
- 2026 conforming loan limit: El Dorado County, CA
- 2026 conforming loan limit: El Paso County, CO
- 2026 conforming loan limit: El Paso County, TX
- 2026 conforming loan limit: Elbert County, CO
Last updated 2026-10-16. Data only, not financial or tax advice.