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2026 FHA Loan Limits in Georgia
Georgia residents can qualify for an FHA loan by meeting minimum credit, income and down payment requirements. Loan limits for this loan backed by the Federal Housing Administration will vary based on county. In Georgia, FHA loan limits in 2026 range anywhere from $541,287 to $718,750 for a single-family home. But if you purchase a property with multiple units, you’ll have higher FHA loan limits.
Georgia FHA loan limits by county
Georgia single-family FHA loan limits
| County name | One unit | Two units | Three units | Four units | Median sales price |
|---|---|---|---|---|---|
| APPLING COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $75,000 |
| ATKINSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $100,000 |
| BACON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $65,000 |
| BAKER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $30,000 |
| BALDWIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $190,000 |
| BANKS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $288,000 |
| BARROW COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| BARTOW COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| BEN HILL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $80,000 |
| BERRIEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $138,000 |
| BIBB COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| BLECKLEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $107,000 |
| BRANTLEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| BROOKS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $235,000 |
| BRYAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $395,000 |
| BULLOCH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $280,000 |
| BURKE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| BUTTS COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| CALHOUN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $57,000 |
| CAMDEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $267,000 |
| CANDLER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $170,000 |
| CARROLL COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| CATOOSA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $350,000 |
| CHARLTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $137,000 |
| CHATHAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $395,000 |
| CHATTAHOOCHEE C | $541,287 | $693,050 | $837,700 | $1,041,125 | $325,000 |
| CHATTOOGA COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $115,000 |
| CHEROKEE COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| CLARKE COUNTY | $616,400 | $789,100 | $953,850 | $1,185,400 | $536,000 |
| CLAY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $100,000 |
| CLAYTON COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| CLINCH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $57,000 |
| COBB COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| COFFEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $100,000 |
| COLQUITT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| COLUMBIA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| COOK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $141,000 |
| COWETA COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| CRAWFORD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| CRISP COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $130,000 |
| DADE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $350,000 |
| DAWSON COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| DECATUR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $148,000 |
| DEKALB COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| DODGE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $107,000 |
| DOOLY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $90,000 |
| DOUGHERTY COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $245,000 |
| DOUGLAS COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| EARLY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $78,000 |
| ECHOLS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $235,000 |
| EFFINGHAM COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $395,000 |
| ELBERT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $98,000 |
| EMANUEL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $80,000 |
| EVANS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $280,000 |
| FANNIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $425,000 |
| FAYETTE COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| FLOYD COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| FORSYTH COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| FRANKLIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $194,000 |
| FULTON COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| GILMER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $195,000 |
| GLASCOCK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $65,000 |
| GLYNN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| GORDON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $245,000 |
| GRADY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $225,000 |
| GREENE COUNTY | $638,250 | $817,050 | $987,650 | $1,227,400 | $555,000 |
| GWINNETT COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| HABERSHAM COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $285,000 |
| HALL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $389,000 |
| HANCOCK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $85,000 |
| HARALSON COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| HARRIS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $325,000 |
| HART COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $235,000 |
| HEARD COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| HENRY COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| HOUSTON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $259,000 |
| IRWIN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $94,000 |
| JACKSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $400,000 |
| JASPER COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| JEFF DAVIS COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $85,000 |
| JEFFERSON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $58,000 |
| JENKINS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $73,000 |
| JOHNSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| JONES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| LAMAR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $260,000 |
| LANIER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $235,000 |
| LAURENS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $145,000 |
| LEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $245,000 |
| LIBERTY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $277,000 |
| LINCOLN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| LONG COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $277,000 |
| LOWNDES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $235,000 |
| LUMPKIN COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| MACON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $85,000 |
| MADISON COUNTY | $616,400 | $789,100 | $953,850 | $1,185,400 | $536,000 |
| MARION COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $325,000 |
| MCDUFFIE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| MCINTOSH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| MERIWETHER COUN | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| MILLER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $100,000 |
| MITCHELL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $122,000 |
| MONROE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| MONTGOMERY COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $110,000 |
| MORGAN COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| MURRAY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $233,000 |
| MUSCOGEE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $325,000 |
| NEWTON COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| OCONEE COUNTY | $616,400 | $789,100 | $953,850 | $1,185,400 | $536,000 |
| OGLETHORPE COUN | $616,400 | $789,100 | $953,850 | $1,185,400 | $536,000 |
| PAULDING COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| PEACH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $259,000 |
| PICKENS COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| PIERCE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| PIKE COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| POLK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $195,000 |
| PULASKI COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| PUTNAM COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $311,000 |
| QUITMAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $147,000 |
| RABUN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $285,000 |
| RANDOLPH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $70,000 |
| RICHMOND COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $315,000 |
| ROCKDALE COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| SCHLEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $139,000 |
| SCREVEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $84,000 |
| SEMINOLE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $75,000 |
| SPALDING COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| STEPHENS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| STEWART COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $325,000 |
| SUMTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $139,000 |
| TALBOT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $325,000 |
| TALIAFERRO COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $75,000 |
| TATTNALL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $109,000 |
| TAYLOR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $74,000 |
| TELFAIR COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $55,000 |
| TERRELL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $245,000 |
| THOMAS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $225,000 |
| TIFT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $215,000 |
| TOOMBS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $110,000 |
| TOWNS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $239,000 |
| TREUTLEN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $47,000 |
| TROUP COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $215,000 |
| TURNER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $215,000 |
| TWIGGS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| UNION COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $220,000 |
| UPSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $165,000 |
| WALKER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $350,000 |
| WALTON COUNTY | $718,750 | $920,150 | $1,112,250 | $1,382,250 | $625,000 |
| WARE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $140,000 |
| WARREN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $70,000 |
| WASHINGTON COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $100,000 |
| WAYNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $163,000 |
| WEBSTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $50,000 |
| WHEELER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $84,000 |
| WHITE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $295,000 |
| WHITFIELD COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $233,000 |
| WILCOX COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $60,000 |
| WILKES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $127,000 |
| WILKINSON COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $86,000 |
| WORTH COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $245,000 |
How much is your home purchase price?
$400,000
How are FHA loan limits determined?
The U.S. Department of Housing and Urban Development (HUD) determines the FHA loan limits each year. Each county has its own limit and it’s typically based on the previous year’s median sales price. It’s also a specific percentage of the conforming loan limits set by the Federal Housing Finance Agency (FHFA).
Here’s how FHA loan limits look nationwide:
- The “floor”: This is the lowest FHA loan limit in the country, and is $541,287 in 2026. This amount is 65% of the national conforming limit of $832,750 for single-family properties.
-
The “ceiling”: This is the highest FHA loan limit in the continental U.S
, and is $1,249,125 in 2026. That’s 150% of the conforming loan limit.Alaska, Hawaii, Guam and the U.S. Virgin Islands are designated as special exception areas that have even higher limits: $1,873,687 for a single-family home in 2026.
- In between: Many counties have a loan limit that’s somewhere in between the floor and ceiling.
How to qualify for an FHA loan in Georgia
If you can’t qualify for a conventional loan, you can consider an FHA loan as an alternative. While the guidelines may be less stringent than other loan types’ requirements, you’ll need to meet the following criteria:
- Credit score: Homebuyers can qualify for an FHA loan with at least a 500 credit score. However, borrowers with a minimum 580 credit score can take advantage of lower down payment requirements.
- Down payment: FHA-approved lenders require borrowers with a 500 credit score to put down at least 10%, but that down payment requirement drops to 3.5% if you have at least a 580 credit score.
- FHA home appraisal: To qualify for a home purchase, you’ll need to complete an FHA appraisal. This is so the lender can physically inspect the property to ensure it’s up to standards and to determine its current market value.
- Mortgage insurance: All loans require FHA mortgage insurance. The upfront mortgage insurance premium (UFMIP) is 1.75% and rolled into your mortgage. There is also the annual mortgage insurance premium (MIP), which is based on a percentage of your loan amount and paid monthly as part of your mortgage payment.
- Debt-to-income (DTI) ratio: Most lenders will require that your DTI ratio is at or below 43%. In some cases, your DTI ratio can go up to 50% or higher.
- Occupancy: The loan must be for your primary residence that you live in for at least one year.
- Cash reserves: You may need cash reserves, which is cash that can cover at least one month’s mortgage payment. Funds can come from checking or savings accounts, sellable assets (such as vehicles or stocks) or cash from retirement or insurance accounts.
Buying a multifamily property with an FHA loan
FHA loans also allow you to purchase a multifamily home (two to four units) with only a 3.5% down payment. In fact, this is a popular house-hacking strategy, because you can live in one unit while renting the others.
In addition to the requirements already discussed, you’ll need to meet these guidelines:
- Occupancy: You must live in the property for at least one year, though additional rooms and units can be rented out.
- Cash reserves: You’ll need at least three months’ worth of mortgage payments to purchase a three- or four-unit property. For a single-family home with an accessory dwelling unit (ADU), you’ll need two months’ worth. For comparison, conventional loans require six months’ worth of mortgage payments for all multiunit properties.
- Income: You need proof of consistent, stable income from the past two years. If you want to rent out any extra units or take on a roommate, that prospective income may be counted toward your DTI ratio, improving your borrowing power.
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Georgia
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| Lender | LendingTree rating | Minimum FHA credit score | |
|---|---|---|---|
 |
Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
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Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 | |
 |
Expert review from LendingTree.
| 580 |
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