Heard County, Georgia has a 2026 one-unit conforming loan limit of $832,750, which is 4.5 times the county's median home value of $186,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $65,868 (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) | $186,800 |
| Georgia median home value | $303,300 |
| Limit ÷ median home value | 4.46× |
| Median household income | $65,868 |
| Median home value ÷ income | 2.8× |
| Population | 11,773 |
| Median property tax paid (owners) | $1,049 |
| Effective property tax rate (approx.) | 0.56% |
| Owner-occupied homes | 72.3% |
| Home value rank in Georgia | 72 of 159 counties |
| Neighbor: Randolph County, AL | limit $832,750; median home $181,600 |
| Neighbor: Carroll County, GA | limit $832,750; median home $255,100 |
| Neighbor: Coweta County, GA | limit $832,750; median home $357,500 |
| Neighbor: Troup County, GA | limit $832,750; median home $217,200 |
Across Georgia's 159 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Heard County's median home value is 38% below the state median of $303,300 (rank 72 of 159). Among its 4 neighboring counties, Coweta County has the highest median home value ($357,500) and Randolph County the lowest ($181,600); all share the same loan limit. Owners pay a median $1,049 a year in property tax, an effective rate of about 0.56% 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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- 2026 conforming loan limit: Hempstead County, AR
- 2026 conforming loan limit: Henderson County, IL
- 2026 conforming loan limit: Henderson County, KY
- 2026 conforming loan limit: Henderson County, NC
Last updated 2026-10-16. Data only, not financial or tax advice.