Spalding County, Georgia has a 2026 one-unit conforming loan limit of $832,750, which is 3.6 times the county's median home value of $228,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $62,071 (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) | $228,700 |
| Georgia median home value | $303,300 |
| Limit ÷ median home value | 3.64× |
| Median household income | $62,071 |
| Median home value ÷ income | 3.7× |
| Population | 68,892 |
| Median property tax paid (owners) | $2,142 |
| Effective property tax rate (approx.) | 0.94% |
| Owner-occupied homes | 62.7% |
| Home value rank in Georgia | 50 of 159 counties |
| Neighbor: Butts County, GA | limit $832,750; median home $240,600 |
| Neighbor: Clayton County, GA | limit $832,750; median home $222,300 |
| Neighbor: Coweta County, GA | limit $832,750; median home $357,500 |
| Neighbor: Fayette County, GA | limit $832,750; median home $436,400 |
| Neighbor: Henry County, GA | limit $832,750; median home $313,900 |
| Neighbor: Lamar County, GA | limit $832,750; median home $216,500 |
| Neighbor: Meriwether County, GA | limit $832,750; median home $168,800 |
| Neighbor: Pike County, GA | limit $832,750; median home $305,600 |
Across Georgia's 159 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Spalding County's median home value is 25% below the state median of $303,300 (rank 50 of 159). Among its 8 neighboring counties, Fayette County has the highest median home value ($436,400) and Meriwether County the lowest ($168,800); all share the same loan limit. Owners pay a median $2,142 a year in property tax, an effective rate of about 0.94% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.