Elbert County, Georgia has a 2026 one-unit conforming loan limit of $832,750, which is 5.9 times the county's median home value of $142,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $58,450 (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) | $142,000 |
| Georgia median home value | $303,300 |
| Limit ÷ median home value | 5.86× |
| Median household income | $58,450 |
| Median home value ÷ income | 2.4× |
| Population | 19,849 |
| Median property tax paid (owners) | $1,298 |
| Effective property tax rate (approx.) | 0.91% |
| Owner-occupied homes | 70.9% |
| Home value rank in Georgia | 100 of 159 counties |
| Neighbor: Hart County, GA | limit $832,750; median home $215,100 |
| Neighbor: Lincoln County, GA | limit $832,750; median home $165,900 |
| Neighbor: Madison County, GA | limit $832,750; median home $219,700 |
| Neighbor: Oglethorpe County, GA | limit $832,750; median home $231,600 |
| Neighbor: Wilkes County, GA | limit $832,750; median home $122,700 |
| Neighbor: Abbeville County, SC | limit $832,750; median home $178,800 |
| Neighbor: Anderson County, SC | limit $832,750; median home $231,900 |
| Neighbor: Mccormick County, SC | limit $832,750; median home $168,700 |
Across Georgia's 159 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Elbert County's median home value is 53% below the state median of $303,300 (rank 100 of 159). Among its 8 neighboring counties, Anderson County has the highest median home value ($231,900) and Wilkes County the lowest ($122,700); all share the same loan limit. Owners pay a median $1,298 a year in property tax, an effective rate of about 0.91% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.