2024 FHA Loan Limits in Georgia
Timothy Manni started his career as a writer, but for the better part of the last 15 years he has been an editor and content team leader in the mortgage and home buying space. For six years, he lead the Mortgage Content team at NerdWallet, and before that he was the managing editor at HSH.com. Currently, he’s utilizing his years of expertise to help websites like LendingTree, Yahoo Finance and MoneyGeek elevate the information they are sharing with consumers.
If you’re looking to purchase a single-family home in Georgia, you could borrow up to $498,257 with an FHA loan in most counties. In some higher-cost counties, you could borrow as much as $649,750, as long as you meet minimum down payment and credit score requirements. Here’s what you need to know on how to qualify.
Georgia FHA loan limits by county
| County name | One unit | Two units | Three units | Four units | Median sales price |
|---|---|---|---|---|---|
| APPLING | $498,257 | $637,950 | $771,125 | $958,350 | $70,000 |
| ATKINSON | $498,257 | $637,950 | $771,125 | $958,350 | $84,000 |
| BACON | $498,257 | $637,950 | $771,125 | $958,350 | $65,000 |
| BAKER | $498,257 | $637,950 | $771,125 | $958,350 | $48,000 |
| BALDWIN | $498,257 | $637,950 | $771,125 | $958,350 | $150,000 |
| BANKS | $498,257 | $637,950 | $771,125 | $958,350 | $230,000 |
| BARROW | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| BARTOW | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| BEN HILL | $498,257 | $637,950 | $771,125 | $958,350 | $62,000 |
| BERRIEN | $498,257 | $637,950 | $771,125 | $958,350 | $117,000 |
| BIBB | $498,257 | $637,950 | $771,125 | $958,350 | $227,000 |
| BLECKLEY | $498,257 | $637,950 | $771,125 | $958,350 | $91,000 |
| BRANTLEY | $498,257 | $637,950 | $771,125 | $958,350 | $300,000 |
| BROOKS | $498,257 | $637,950 | $771,125 | $958,350 | $203,000 |
| BRYAN | $498,257 | $637,950 | $771,125 | $958,350 | $365,000 |
| BULLOCH | $498,257 | $637,950 | $771,125 | $958,350 | $235,000 |
| BURKE | $498,257 | $637,950 | $771,125 | $958,350 | $297,000 |
| BUTTS | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| CALHOUN | $498,257 | $637,950 | $771,125 | $958,350 | $36,000 |
| CAMDEN | $498,257 | $637,950 | $771,125 | $958,350 | $250,000 |
| CANDLER | $498,257 | $637,950 | $771,125 | $958,350 | $98,000 |
| CARROLL | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| CATOOSA | $498,257 | $637,950 | $771,125 | $958,350 | $310,000 |
| CHARLTON | $498,257 | $637,950 | $771,125 | $958,350 | $80,000 |
| CHATHAM | $498,257 | $637,950 | $771,125 | $958,350 | $365,000 |
| CHATTAHOOCHEE | $498,257 | $637,950 | $771,125 | $958,350 | $277,000 |
| CHATTOOGA | $498,257 | $637,950 | $771,125 | $958,350 | $120,000 |
| CHEROKEE | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| CLARKE | $546,250 | $699,300 | $845,300 | $1,050,500 | $475,000 |
| CLAY | $498,257 | $637,950 | $771,125 | $958,350 | $68,000 |
| CLAYTON | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| CLINCH | $498,257 | $637,950 | $771,125 | $958,350 | $69,000 |
| COBB | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| COFFEE | $498,257 | $637,950 | $771,125 | $958,350 | $84,000 |
| COLQUITT | $498,257 | $637,950 | $771,125 | $958,350 | $86,000 |
| COLUMBIA | $498,257 | $637,950 | $771,125 | $958,350 | $297,000 |
| COOK | $498,257 | $637,950 | $771,125 | $958,350 | $95,000 |
| COWETA | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| CRAWFORD | $498,257 | $637,950 | $771,125 | $958,350 | $227,000 |
| CRISP | $498,257 | $637,950 | $771,125 | $958,350 | $100,000 |
| DADE | $498,257 | $637,950 | $771,125 | $958,350 | $310,000 |
| DAWSON | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| DECATUR | $498,257 | $637,950 | $771,125 | $958,350 | $125,000 |
| DEKALB | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| DODGE | $498,257 | $637,950 | $771,125 | $958,350 | $70,000 |
| DOOLY | $498,257 | $637,950 | $771,125 | $958,350 | $84,000 |
| DOUGHERTY | $498,257 | $637,950 | $771,125 | $958,350 | $224,000 |
| DOUGLAS | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| EARLY | $498,257 | $637,950 | $771,125 | $958,350 | $63,000 |
| ECHOLS | $498,257 | $637,950 | $771,125 | $958,350 | $203,000 |
| EFFINGHAM | $498,257 | $637,950 | $771,125 | $958,350 | $365,000 |
| ELBERT | $498,257 | $637,950 | $771,125 | $958,350 | $70,000 |
| EMANUEL | $498,257 | $637,950 | $771,125 | $958,350 | $79,000 |
| EVANS | $498,257 | $637,950 | $771,125 | $958,350 | $78,000 |
| FANNIN | $498,257 | $637,950 | $771,125 | $958,350 | $365,000 |
| FAYETTE | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| FLOYD | $498,257 | $637,950 | $771,125 | $958,350 | $170,000 |
| FORSYTH | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| FRANKLIN | $498,257 | $637,950 | $771,125 | $958,350 | $170,000 |
| FULTON | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| GILMER | $498,257 | $637,950 | $771,125 | $958,350 | $159,000 |
| GLASCOCK | $498,257 | $637,950 | $771,125 | $958,350 | $83,000 |
| GLYNN | $498,257 | $637,950 | $771,125 | $958,350 | $300,000 |
| GORDON | $498,257 | $637,950 | $771,125 | $958,350 | $220,000 |
| GRADY | $498,257 | $637,950 | $771,125 | $958,350 | $114,000 |
| GREENE | $529,000 | $677,200 | $818,600 | $1,017,300 | $460,000 |
| GWINNETT | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| HABERSHAM | $498,257 | $637,950 | $771,125 | $958,350 | $225,000 |
| HALL | $498,257 | $637,950 | $771,125 | $958,350 | $350,000 |
| HANCOCK | $498,257 | $637,950 | $771,125 | $958,350 | $150,000 |
| HARALSON | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| HARRIS | $498,257 | $637,950 | $771,125 | $958,350 | $277,000 |
| HART | $498,257 | $637,950 | $771,125 | $958,350 | $205,000 |
| HEARD | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| HENRY | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| HOUSTON | $498,257 | $637,950 | $771,125 | $958,350 | $215,000 |
| IRWIN | $498,257 | $637,950 | $771,125 | $958,350 | $59,000 |
| JACKSON | $498,257 | $637,950 | $771,125 | $958,350 | $370,000 |
| JASPER | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| JEFF DAVIS | $498,257 | $637,950 | $771,125 | $958,350 | $64,000 |
| JEFFERSON | $498,257 | $637,950 | $771,125 | $958,350 | $58,000 |
| JENKINS | $498,257 | $637,950 | $771,125 | $958,350 | $63,000 |
| JOHNSON | $498,257 | $637,950 | $771,125 | $958,350 | $105,000 |
| JONES | $498,257 | $637,950 | $771,125 | $958,350 | $227,000 |
| LAMAR | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| LANIER | $498,257 | $637,950 | $771,125 | $958,350 | $203,000 |
| LAURENS | $498,257 | $637,950 | $771,125 | $958,350 | $105,000 |
| LEE | $498,257 | $637,950 | $771,125 | $958,350 | $224,000 |
| LIBERTY | $498,257 | $637,950 | $771,125 | $958,350 | $252,000 |
| LINCOLN | $498,257 | $637,950 | $771,125 | $958,350 | $297,000 |
| LONG | $498,257 | $637,950 | $771,125 | $958,350 | $252,000 |
| LOWNDES | $498,257 | $637,950 | $771,125 | $958,350 | $203,000 |
| LUMPKIN | $498,257 | $637,950 | $771,125 | $958,350 | $280,000 |
| MACON | $498,257 | $637,950 | $771,125 | $958,350 | $55,000 |
| MADISON | $546,250 | $699,300 | $845,300 | $1,050,500 | $475,000 |
| MARION | $498,257 | $637,950 | $771,125 | $958,350 | $277,000 |
| MCDUFFIE | $498,257 | $637,950 | $771,125 | $958,350 | $297,000 |
| MCINTOSH | $498,257 | $637,950 | $771,125 | $958,350 | $300,000 |
| MERIWETHER | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| MILLER | $498,257 | $637,950 | $771,125 | $958,350 | $85,000 |
| MITCHELL | $498,257 | $637,950 | $771,125 | $958,350 | $85,000 |
| MONROE | $498,257 | $637,950 | $771,125 | $958,350 | $227,000 |
| MONTGOMERY | $498,257 | $637,950 | $771,125 | $958,350 | $108,000 |
| MORGAN | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| MURRAY | $498,257 | $637,950 | $771,125 | $958,350 | $197,000 |
| MUSCOGEE | $498,257 | $637,950 | $771,125 | $958,350 | $277,000 |
| NEWTON | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| OCONEE | $546,250 | $699,300 | $845,300 | $1,050,500 | $475,000 |
| OGLETHORPE | $546,250 | $699,300 | $845,300 | $1,050,500 | $475,000 |
| PAULDING | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| PEACH | $498,257 | $637,950 | $771,125 | $958,350 | $215,000 |
| PICKENS | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| PIERCE | $498,257 | $637,950 | $771,125 | $958,350 | $109,000 |
| PIKE | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| POLK | $498,257 | $637,950 | $771,125 | $958,350 | $179,000 |
| PULASKI | $498,257 | $637,950 | $771,125 | $958,350 | $130,000 |
| PUTNAM | $498,257 | $637,950 | $771,125 | $958,350 | $265,000 |
| QUITMAN | $498,257 | $637,950 | $771,125 | $958,350 | $128,000 |
| RABUN | $498,257 | $637,950 | $771,125 | $958,350 | $238,000 |
| RANDOLPH | $498,257 | $637,950 | $771,125 | $958,350 | $54,000 |
| RICHMOND | $498,257 | $637,950 | $771,125 | $958,350 | $297,000 |
| ROCKDALE | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| SCHLEY | $498,257 | $637,950 | $771,125 | $958,350 | $130,000 |
| SCREVEN | $498,257 | $637,950 | $771,125 | $958,350 | $72,000 |
| SEMINOLE | $498,257 | $637,950 | $771,125 | $958,350 | $70,000 |
| SPALDING | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| STEPHENS | $498,257 | $637,950 | $771,125 | $958,350 | $155,000 |
| STEWART | $498,257 | $637,950 | $771,125 | $958,350 | $277,000 |
| SUMTER | $498,257 | $637,950 | $771,125 | $958,350 | $130,000 |
| TALBOT | $498,257 | $637,950 | $771,125 | $958,350 | $277,000 |
| TALIAFERRO | $498,257 | $637,950 | $771,125 | $958,350 | $80,000 |
| TATTNALL | $498,257 | $637,950 | $771,125 | $958,350 | $110,000 |
| TAYLOR | $498,257 | $637,950 | $771,125 | $958,350 | $49,000 |
| TELFAIR | $498,257 | $637,950 | $771,125 | $958,350 | $46,000 |
| TERRELL | $498,257 | $637,950 | $771,125 | $958,350 | $224,000 |
| THOMAS | $498,257 | $637,950 | $771,125 | $958,350 | $176,000 |
| TIFT | $498,257 | $637,950 | $771,125 | $958,350 | $150,000 |
| TOOMBS | $498,257 | $637,950 | $771,125 | $958,350 | $108,000 |
| TOWNS | $498,257 | $637,950 | $771,125 | $958,350 | $200,000 |
| TREUTLEN | $498,257 | $637,950 | $771,125 | $958,350 | $105,000 |
| TROUP | $498,257 | $637,950 | $771,125 | $958,350 | $182,000 |
| TURNER | $498,257 | $637,950 | $771,125 | $958,350 | $56,000 |
| TWIGGS | $498,257 | $637,950 | $771,125 | $958,350 | $227,000 |
| UNION | $498,257 | $637,950 | $771,125 | $958,350 | $175,000 |
| UPSON | $498,257 | $637,950 | $771,125 | $958,350 | $130,000 |
| WALKER | $498,257 | $637,950 | $771,125 | $958,350 | $310,000 |
| WALTON | $649,750 | $831,800 | $1,005,450 | $1,249,550 | $565,000 |
| WARE | $498,257 | $637,950 | $771,125 | $958,350 | $109,000 |
| WARREN | $498,257 | $637,950 | $771,125 | $958,350 | $55,000 |
| WASHINGTON | $498,257 | $637,950 | $771,125 | $958,350 | $80,000 |
| WAYNE | $498,257 | $637,950 | $771,125 | $958,350 | $125,000 |
| WEBSTER | $498,257 | $637,950 | $771,125 | $958,350 | $89,000 |
| WHEELER | $498,257 | $637,950 | $771,125 | $958,350 | $61,000 |
| WHITE | $498,257 | $637,950 | $771,125 | $958,350 | $230,000 |
| WHITFIELD | $498,257 | $637,950 | $771,125 | $958,350 | $197,000 |
| WILCOX | $498,257 | $637,950 | $771,125 | $958,350 | $35,000 |
| WILKES | $498,257 | $637,950 | $771,125 | $958,350 | $95,000 |
| WILKINSON | $498,257 | $637,950 | $771,125 | $958,350 | $50,000 |
| WORTH | $498,257 | $637,950 | $771,125 | $958,350 | $224,000 |
How are FHA loan limits determined?
FHA loan limits are determined every year by the U.S. Department of Housing and Urban Development (HUD). The amount you’re allowed to borrow for an FHA-backed loan may differ from county to county and depends on changes to median home prices in the previous year.
FHA loan limits are based on a percentage of the conforming loan limits for conventional mortgages. For 2024, the FHA “floor” or lowest FHA loan limit, is set at $498,257. This figure is 65% of the national conforming limit of $766,550 for a single-family home in most areas of the U.S.
The FHA “ceiling,” or highest loan limit, is 150% of the national conforming limit and reflects market conditions in regions with higher housing prices. In 2024, the ceiling is set at $1,149,825 for a single-family unit.
How to qualify for an FHA loan in Georgia
The highest amount you can borrow with a FHA-backed loan for a single-family unit in Georgia is $649,750. Requirements are generally less stringent than for conventional loans. To qualify, you’ll have to meet the following minimum FHA home loan requirements:
→ Minimum down payment and credit scores. If your credit score is at least 580, you only need a 3.5% down payment. However, you could qualify with a credit score as low as 500 if you’re able to provide a 10% down payment.
→ Debt-to-income (DTI) ratio. Your monthly debt payments divided by your before-tax income is your DTI ratio, which most lenders prefer to be under 43%. However, if you have a high credit score, extra savings or a large down payment, some lenders may make an exception.
→ Mortgage insurance. To qualify for an FHA loan, you must purchase two types of mortgage insurance. One type is an upfront mortgage insurance premium (UFMIP) that is rolled into your mortgage and costs 1.75% of your loan amount. The other type is an annual mortgage insurance premium (MIP) that costs 0.45% to 1.05% of your loan amount and is paid out monthly on top of your mortgage payments.
→ FHA home appraisal. You’ll need to purchase an FHA home appraisal to buy a home with an FHA loan. This involves more stringent requirements than with conventional loans and includes both market research and a physical inspection of the building and property site.
→ Occupancy requirements. FHA has strict rules against house-flipping, so you’ll have to live in the home you purchase as your primary residence for at least 12 consecutive months.
Buying a multifamily property with an FHA loan
You could be eligible to purchase a multifamily property with an FHA loan if you can come up with a 3.5% down payment. The loan limits for properties with multiple units are higher than for single-family homes. Here’s what you need to qualify:
- Property must contain between two to four separate units
- You must live in one of the units as your primary residence
- Minimum credit score of 580 (or 500 with a 10% down payment)
- Maximum DTI of 43% (some lenders may accept as high as 50% with strong credit sand demonstrated savings)
- Purchase of FHA insurance
- Purchase of FHA home appraisal
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $637,950 |
| Three | $771,125 |
| Four | $958350 |
FHA lenders in Georgia
| Lender | LendingTree rating | Minimum FHA credit score | |
|---|---|---|---|
 |  Read our review | 580 | Get offers |
 | Read our review | Not disclosed | Get offers |
 | Read our review | 580 | Get offers |
 | Read our review | 580 | Get offers |
 |  Read our review | 580 | Get offers |