Towns County, Georgia has a 2026 one-unit conforming loan limit of $832,750, which is 2.6 times the county's median home value of $316,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $59,135 (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) | $316,100 |
| Georgia median home value | $303,300 |
| Limit ÷ median home value | 2.63× |
| Median household income | $59,135 |
| Median home value ÷ income | 5.3× |
| Population | 12,913 |
| Median property tax paid (owners) | $1,084 |
| Effective property tax rate (approx.) | 0.34% |
| Owner-occupied homes | 82.3% |
| Home value rank in Georgia | 19 of 159 counties |
| Neighbor: Habersham County, GA | limit $832,750; median home $238,300 |
| Neighbor: Rabun County, GA | limit $832,750; median home $295,200 |
| Neighbor: Union County, GA | limit $832,750; median home $307,400 |
| Neighbor: White County, GA | limit $832,750; median home $278,900 |
| Neighbor: Clay County, NC | limit $832,750; median home $278,400 |
Across Georgia's 159 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Towns County's median home value is 4% above the state median of $303,300 (rank 19 of 159). Among its 5 neighboring counties, Union County has the highest median home value ($307,400) and Habersham County the lowest ($238,300); all share the same loan limit. Owners pay a median $1,084 a year in property tax, an effective rate of about 0.34% 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: Toombs County, GA
- 2026 conforming loan limit: Torrance County, NM
- 2026 conforming loan limit: Towner County, ND
- 2026 conforming loan limit: Traill County, ND
- 2026 conforming loan limit: Transylvania County, NC
- 2026 conforming loan limit: Traverse County, MN
- 2026 conforming loan limit: Travis County, TX
- 2026 conforming loan limit: Treasure County, MT
Last updated 2026-10-16. Data only, not financial or tax advice.