Highest FHA limit in Georgia
$718,750
In 2026, FHA one-unit limits in Georgia range from $541,287 to $718,750 (Barrow County). 125 of 159 counties use the national floor.
125 of 159counties at the $541,287 floor
All Georgia counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Barrow County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Bartow County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Butts County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Carroll County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Cherokee County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Clayton County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Cobb County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Coweta County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Dawson County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| DeKalb County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Douglas County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Fayette County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Forsyth County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Fulton County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Gwinnett County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Haralson County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Heard County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Henry County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Jasper County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Lumpkin County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Meriwether County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Morgan County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Newton County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Paulding County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Pickens County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Pike County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Rockdale County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Spalding County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Walton County | $718,750 | $920,150 | $1,382,250 | $832,750 |
| Greene County | $638,250 | $817,050 | $1,227,400 | $832,750 |
| Clarke County | $616,400 | $789,100 | $1,185,400 | $832,750 |
| Madison County | $616,400 | $789,100 | $1,185,400 | $832,750 |
| Oconee County | $616,400 | $789,100 | $1,185,400 | $832,750 |
| Oglethorpe County | $616,400 | $789,100 | $1,185,400 | $832,750 |
| Appling County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Atkinson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bacon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Baker County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Baldwin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Banks County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ben Hill County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Berrien County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bibb County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bleckley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brantley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Brooks County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bryan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bulloch County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Burke County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Calhoun County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Camden County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Candler County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Catoosa County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Charlton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chatham County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chattahoochee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chattooga County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clay County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clinch County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Coffee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Colquitt County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Columbia County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cook County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Crawford County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Crisp County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dade County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Decatur County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dodge County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dooly County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dougherty County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Early County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Echols County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Effingham County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Elbert County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Emanuel County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Evans County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fannin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Floyd County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Franklin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gilmer County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Glascock County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Glynn County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Gordon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Grady County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Habersham County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hall County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hancock County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Harris County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hart County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Houston County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Irwin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jackson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jeff Davis County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jefferson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jenkins County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Johnson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jones County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lamar County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lanier County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Laurens County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Liberty County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lincoln County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Long County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lowndes County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Macon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marion County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McDuffie County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| McIntosh County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Miller County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mitchell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Monroe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Montgomery County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Murray County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Muscogee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Peach County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pierce County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Polk County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pulaski County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Putnam County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Quitman County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Rabun County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Randolph County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Richmond County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Schley County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Screven County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Seminole County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stephens County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Stewart County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sumter County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Talbot County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Taliaferro County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tattnall County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Taylor County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Telfair County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Terrell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Thomas County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tift County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Toombs County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Towns County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Treutlen County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Troup County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Turner County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Twiggs County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Union County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Upson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Walker County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Ware County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Warren County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wayne County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Webster County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wheeler County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| White County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Whitfield County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wilcox County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wilkes County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wilkinson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Worth County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Georgia for 2026?
In 2026, FHA one-unit limits in Georgia range from $541,287 to $718,750 (Barrow County). 125 of 159 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.