Oconee County, Georgia has a 2026 one-unit conforming loan limit of $832,750, which is 1.8 times the county's median home value of $461,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $121,217 (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) | $461,600 |
| Georgia median home value | $303,300 |
| Limit ÷ median home value | 1.80× |
| Median household income | $121,217 |
| Median home value ÷ income | 3.8× |
| Population | 43,551 |
| Median property tax paid (owners) | $3,222 |
| Effective property tax rate (approx.) | 0.70% |
| Owner-occupied homes | 81.3% |
| Home value rank in Georgia | 2 of 159 counties |
| Neighbor: Barrow County, GA | limit $832,750; median home $294,700 |
| Neighbor: Clarke County, GA | limit $832,750; median home $298,900 |
| Neighbor: Greene County, GA | limit $832,750; median home $394,800 |
| Neighbor: Jackson County, GA | limit $832,750; median home $345,000 |
| Neighbor: Morgan County, GA | limit $832,750; median home $342,300 |
| Neighbor: Oglethorpe County, GA | limit $832,750; median home $231,600 |
| Neighbor: Walton County, GA | limit $832,750; median home $339,500 |
Across Georgia's 159 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Oconee County's median home value is 52% above the state median of $303,300 (rank 2 of 159). Among its 7 neighboring counties, Greene County has the highest median home value ($394,800) and Oglethorpe County the lowest ($231,600); all share the same loan limit. Owners pay a median $3,222 a year in property tax, an effective rate of about 0.70% 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: Ocean County, NJ
- 2026 conforming loan limit: Oceana County, MI
- 2026 conforming loan limit: Ochiltree County, TX
- 2026 conforming loan limit: Oconee County, SC
- 2026 conforming loan limit: Oconto County, WI
- 2026 conforming loan limit: Ogemaw County, MI
- 2026 conforming loan limit: Oglala Lakota County, SD
- 2026 conforming loan limit: Ogle County, IL
Last updated 2026-10-16. Data only, not financial or tax advice.