Habersham County, Georgia has a 2026 one-unit conforming loan limit of $832,750, which is 3.5 times the county's median home value of $238,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $67,309 (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) | $238,300 |
| Georgia median home value | $303,300 |
| Limit ÷ median home value | 3.49× |
| Median household income | $67,309 |
| Median home value ÷ income | 3.5× |
| Population | 47,793 |
| Median property tax paid (owners) | $1,403 |
| Effective property tax rate (approx.) | 0.59% |
| Owner-occupied homes | 72.8% |
| Home value rank in Georgia | 47 of 159 counties |
| Neighbor: Banks County, GA | limit $832,750; median home $278,100 |
| Neighbor: Hall County, GA | limit $832,750; median home $350,400 |
| Neighbor: Rabun County, GA | limit $832,750; median home $295,200 |
| Neighbor: Stephens County, GA | limit $832,750; median home $175,300 |
| Neighbor: Towns County, GA | limit $832,750; median home $316,100 |
| Neighbor: White County, GA | limit $832,750; median home $278,900 |
| Neighbor: Oconee County, SC | limit $832,750; median home $237,100 |
Across Georgia's 159 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Habersham County's median home value is 21% below the state median of $303,300 (rank 47 of 159). Among its 7 neighboring counties, Hall County has the highest median home value ($350,400) and Stephens County the lowest ($175,300); all share the same loan limit. Owners pay a median $1,403 a year in property tax, an effective rate of about 0.59% 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: Guthrie County, IA
- 2026 conforming loan limit: Gwinnett County, GA
- 2026 conforming loan limit: Haakon County, SD
- 2026 conforming loan limit: Haines Borough, AK
- 2026 conforming loan limit: Hale County, AL
- 2026 conforming loan limit: Hale County, TX
- 2026 conforming loan limit: Halifax County, NC
- 2026 conforming loan limit: Halifax County, VA
Last updated 2026-10-16. Data only, not financial or tax advice.