Stephens County, Georgia has a 2026 one-unit conforming loan limit of $832,750, which is 4.8 times the county's median home value of $175,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $54,754 (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) | $175,300 |
| Georgia median home value | $303,300 |
| Limit ÷ median home value | 4.75× |
| Median household income | $54,754 |
| Median home value ÷ income | 3.2× |
| Population | 27,012 |
| Median property tax paid (owners) | $1,424 |
| Effective property tax rate (approx.) | 0.81% |
| Owner-occupied homes | 73.6% |
| Home value rank in Georgia | 78 of 159 counties |
| Neighbor: Banks County, GA | limit $832,750; median home $278,100 |
| Neighbor: Franklin County, GA | limit $832,750; median home $179,000 |
| Neighbor: Habersham County, GA | limit $832,750; median home $238,300 |
| 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. Stephens County's median home value is 42% below the state median of $303,300 (rank 78 of 159). Among its 4 neighboring counties, Banks County has the highest median home value ($278,100) and Franklin County the lowest ($179,000); all share the same loan limit. Owners pay a median $1,424 a year in property tax, an effective rate of about 0.81% 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: Stearns County, MN
- 2026 conforming loan limit: Steele County, MN
- 2026 conforming loan limit: Steele County, ND
- 2026 conforming loan limit: Stephens County, OK
- 2026 conforming loan limit: Stephens County, TX
- 2026 conforming loan limit: Stephenson County, IL
- 2026 conforming loan limit: Sterling County, TX
- 2026 conforming loan limit: Steuben County, IN
Last updated 2026-10-16. Data only, not financial or tax advice.