Home LoansFHA Loans

2019 FHA Loan Limits in Georgia

If you are a Georgia resident looking to buy a home, an FHA loan may help you achieve your goal. Across Georgia’s 159 counties, 2019 FHA loan limits for a single-family home range from $314,827 to $379,500.

Generally, FHA loans require lower credit scores and down payments, making them a good option for people who might struggle to get a conventional loan.

Although homebuying demand has slowed somewhat nationwide, according to the National Association of Realtors, homebuyer traffic is stable in Georgia. In the Atlanta area, where the median home price currently sits around $224,000, low inventory levels of moderately priced homes have been driving prices upward.

If you are looking to secure an FHA loan in Georgia, you’ll have plenty of company. In 2018, the FHA reported that Georgia accounted for 4.64% of FHA loans issued nationwide. A 2016 FHA report noted that of all mortgage loans originated in the state, 30.6% were FHA loans.

Georgia FHA loan limits by county

FHA Loan Limits in Georgia
County Name One-Family Two-Family Three-Family Four-Family Median Sale Price
Appling $314,827 $403,125 $487,250 $605,525 $40,000
Atkinson $314,827 $403,125 $487,250 $605,525 $35,000
Bacon $314,827 $403,125 $487,250 $605,525 $40,000
Baker $314,827 $403,125 $487,250 $605,525 $148,000
Baldwin $314,827 $403,125 $487,250 $605,525 $131,000
Banks $314,827 $403,125 $487,250 $605,525 $130,000
Barrow $379,500 $485,800 $587,250 $729,800 $330,000
Bartow $379,500 $485,800 $587,250 $729,800 $330,000
Ben Hill $314,827 $403,125 $487,250 $605,525 $55,000
Berrien $314,827 $403,125 $487,250 $605,525 $64,000
Bibb $314,827 $403,125 $487,250 $605,525 $124,000
Bleckley $314,827 $403,125 $487,250 $605,525 $75,000
Brantley $314,827 $403,125 $487,250 $605,525 $214,000
Brooks $314,827 $403,125 $487,250 $605,525 $135,000
Bryan $314,827 $403,125 $487,250 $605,525 $234,000
Bulloch $314,827 $403,125 $487,250 $605,525 $141,000
Burke $314,827 $403,125 $487,250 $605,525 $192,000
Butts $379,500 $485,800 $587,250 $729,800 $330,000
Calhoun $314,827 $403,125 $487,250 $605,525 $43,000
Camden $314,827 $403,125 $487,250 $605,525 $152,000
Candler $314,827 $403,125 $487,250 $605,525 $65,000
Carroll $379,500 $485,800 $587,250 $729,800 $330,000
Catoosa $314,827 $403,125 $487,250 $605,525 $179,000
Charlton $314,827 $403,125 $487,250 $605,525 $49,000
Chatham $314,827 $403,125 $487,250 $605,525 $234,000
Chattahoochee $314,827 $403,125 $487,250 $605,525 $213,000
Chattooga $314,827 $403,125 $487,250 $605,525 $60,000
Cherokee $379,500 $485,800 $587,250 $729,800 $330,000
Clarke $341,550 $437,250 $528,500 $656,800 $297,000
Clay $314,827 $403,125 $487,250 $605,525 $72,000
Clayton $379,500 $485,800 $587,250 $729,800 $330,000
Clinch $314,827 $403,125 $487,250 $605,525 $27,000
Cobb $379,500 $485,800 $587,250 $729,800 $330,000
Coffee $314,827 $403,125 $487,250 $605,525 $69,000
Colquitt $314,827 $403,125 $487,250 $605,525 $70,000
Columbia $314,827 $403,125 $487,250 $605,525 $192,000
Cook $314,827 $403,125 $487,250 $605,525 $48,000
Coweta $379,500 $485,800 $587,250 $729,800 $330,000
Crawford $314,827 $403,125 $487,250 $605,525 $124,000
Crisp $314,827 $403,125 $487,250 $605,525 $80,000
Dade $314,827 $403,125 $487,250 $605,525 $179,000
Dawson $379,500 $485,800 $587,250 $729,800 $330,000
Decatur $314,827 $403,125 $487,250 $605,525 $90,000
Dekalb $379,500 $485,800 $587,250 $729,800 $330,000
Dodge $314,827 $403,125 $487,250 $605,525 $54,000
Dooly $314,827 $403,125 $487,250 $605,525 $40,000
Dougherty $314,827 $403,125 $487,250 $605,525 $148,000
Douglas $379,500 $485,800 $587,250 $729,800 $330,000
Early $314,827 $403,125 $487,250 $605,525 $40,000
Echols $314,827 $403,125 $487,250 $605,525 $135,000
Effingham $314,827 $403,125 $487,250 $605,525 $234,000
Elbert $314,827 $403,125 $487,250 $605,525 $53,000
Emanuel $314,827 $403,125 $487,250 $605,525 $41,000
Evans $314,827 $403,125 $487,250 $605,525 $60,000
Fannin $314,827 $403,125 $487,250 $605,525 $170,000
Fayette $379,500 $485,800 $587,250 $729,800 $330,000
Floyd $314,827 $403,125 $487,250 $605,525 $114,000
Forsyth $379,500 $485,800 $587,250 $729,800 $330,000
Franklin $314,827 $403,125 $487,250 $605,525 $95,000
Fulton $379,500 $485,800 $587,250 $729,800 $330,000
Gilmer $314,827 $403,125 $487,250 $605,525 $125,000
Glascock $314,827 $403,125 $487,250 $605,525 $51,000
Glynn $314,827 $403,125 $487,250 $605,525 $214,000
Gordon $314,827 $403,125 $487,250 $605,525 $128,000
Grady $314,827 $403,125 $487,250 $605,525 $70,000
Greene $515,200 $659,550 $797,250 $990,800 $295,000
Gwinnett $379,500 $485,800 $587,250 $729,800 $330,000
Habersham $314,827 $403,125 $487,250 $605,525 $140,000
Hall $314,827 $403,125 $487,250 $605,525 $199,000
Hancock $314,827 $403,125 $487,250 $605,525 $131,000
Haralson $379,500 $485,800 $587,250 $729,800 $330,000
Harris $314,827 $403,125 $487,250 $605,525 $213,000
Hart $314,827 $403,125 $487,250 $605,525 $130,000
Heard $379,500 $485,800 $587,250 $729,800 $330,000
Henry $379,500 $485,800 $587,250 $729,800 $330,000
Houston $314,827 $403,125 $487,250 $605,525 $136,000
Irwin $314,827 $403,125 $487,250 $605,525 $62,000
Jackson $314,827 $403,125 $487,250 $605,525 $192,000
Jasper $379,500 $485,800 $587,250 $729,800 $330,000
Jeff Davis $314,827 $403,125 $487,250 $605,525 $53,000
Jefferson $314,827 $403,125 $487,250 $605,525 $36,000
Jenkins $314,827 $403,125 $487,250 $605,525 $43,000
Johnson $314,827 $403,125 $487,250 $605,525 $75,000
Jones $314,827 $403,125 $487,250 $605,525 $124,000
Lamar $379,500 $485,800 $587,250 $729,800 $330,000
Lanier $314,827 $403,125 $487,250 $605,525 $135,000
Laurens $314,827 $403,125 $487,250 $605,525 $75,000
Lee $314,827 $403,125 $487,250 $605,525 $148,000
Liberty $314,827 $403,125 $487,250 $605,525 $153,000
Lincoln $314,827 $403,125 $487,250 $605,525 $192,000
Long $314,827 $403,125 $487,250 $605,525 $153,000
Lowndes $314,827 $403,125 $487,250 $605,525 $135,000
Lumpkin $314,827 $403,125 $487,250 $605,525 $163,000
Macon $314,827 $403,125 $487,250 $605,525 $54,000
Madison $341,550 $437,250 $528,500 $656,800 $297,000
Marion $314,827 $403,125 $487,250 $605,525 $213,000
Mcduffie $314,827 $403,125 $487,250 $605,525 $192,000
Mcintosh $314,827 $403,125 $487,250 $605,525 $214,000
Meriwether $379,500 $485,800 $587,250 $729,800 $330,000
Miller $314,827 $403,125 $487,250 $605,525 $75,000
Mitchell $314,827 $403,125 $487,250 $605,525 $48,000
Monroe $314,827 $403,125 $487,250 $605,525 $124,000
Montgomery $314,827 $403,125 $487,250 $605,525 $80,000
Morgan $379,500 $485,800 $587,250 $729,800 $330,000
Murray $314,827 $403,125 $487,250 $605,525 $125,000
Muscogee $314,827 $403,125 $487,250 $605,525 $213,000
Newton $379,500 $485,800 $587,250 $729,800 $330,000
Oconee $341,550 $437,250 $528,500 $656,800 $297,000
Oglethorpe $341,550 $437,250 $528,500 $656,800 $297,000
Paulding $379,500 $485,800 $587,250 $729,800 $330,000
Peach $314,827 $403,125 $487,250 $605,525 $136,000
Pickens $379,500 $485,800 $587,250 $729,800 $330,000
Pierce $314,827 $403,125 $487,250 $605,525 $65,000
Pike $379,500 $485,800 $587,250 $729,800 $330,000
Polk $314,827 $403,125 $487,250 $605,525 $86,000
Pulaski $314,827 $403,125 $487,250 $605,525 $136,000
Putnam $314,827 $403,125 $487,250 $605,525 $185,000
Quitman $314,827 $403,125 $487,250 $605,525 $96,000
Rabun $314,827 $403,125 $487,250 $605,525 $167,000
Randolph $314,827 $403,125 $487,250 $605,525 $47,000
Richmond $314,827 $403,125 $487,250 $605,525 $192,000
Rockdale $379,500 $485,800 $587,250 $729,800 $330,000
Schley $314,827 $403,125 $487,250 $605,525 $76,000
Screven $314,827 $403,125 $487,250 $605,525 $39,000
Seminole $314,827 $403,125 $487,250 $605,525 $47,000
Spalding $379,500 $485,800 $587,250 $729,800 $330,000
Stephens $314,827 $403,125 $487,250 $605,525 $100,000
Stewart $314,827 $403,125 $487,250 $605,525 $45,000
Sumter $314,827 $403,125 $487,250 $605,525 $76,000
Talbot $314,827 $403,125 $487,250 $605,525 $83,000
Taliaferro $314,827 $403,125 $487,250 $605,525 $41,000
Tattnall $314,827 $403,125 $487,250 $605,525 $60,000
Taylor $314,827 $403,125 $487,250 $605,525 $45,000
Telfair $314,827 $403,125 $487,250 $605,525 $33,000
Terrell $314,827 $403,125 $487,250 $605,525 $148,000
Thomas $314,827 $403,125 $487,250 $605,525 $138,000
Tift $314,827 $403,125 $487,250 $605,525 $115,000
Toombs $314,827 $403,125 $487,250 $605,525 $80,000
Towns $314,827 $403,125 $487,250 $605,525 $155,000
Treutlen $314,827 $403,125 $487,250 $605,525 $31,000
Troup $314,827 $403,125 $487,250 $605,525 $126,000
Turner $314,827 $403,125 $487,250 $605,525 $51,000
Twiggs $314,827 $403,125 $487,250 $605,525 $124,000
Union $314,827 $403,125 $487,250 $605,525 $129,000
Upson $314,827 $403,125 $487,250 $605,525 $64,000
Walker $314,827 $403,125 $487,250 $605,525 $179,000
Walton $379,500 $485,800 $587,250 $729,800 $330,000
Ware $314,827 $403,125 $487,250 $605,525 $65,000
Warren $314,827 $403,125 $487,250 $605,525 $31,000
Washington $314,827 $403,125 $487,250 $605,525 $53,000
Wayne $314,827 $403,125 $487,250 $605,525 $70,000
Webster $314,827 $403,125 $487,250 $605,525 $18,000
Wheeler $314,827 $403,125 $487,250 $605,525 $56,000
White $314,827 $403,125 $487,250 $605,525 $136,000
Whitfield $314,827 $403,125 $487,250 $605,525 $125,000
Wilcox $314,827 $403,125 $487,250 $605,525 $28,000
Wilkes $314,827 $403,125 $487,250 $605,525 $61,000
Wilkinson $314,827 $403,125 $487,250 $605,525 $20,000
Worth $314,827 $403,125 $487,250 $605,525 $148,000

How are FHA loan limits determined?

The U.S. Department of Housing and Urban Development (HUD) sets FHA loan limits based on the conforming loan limit — or how large of a mortgage Fannie Mae and Freddie Mac will purchase. In 2019, that limit is $484,350.

The FHA “floor” is the largest mortgage the agency will insure in most of the country and is set at $314,827 for 2019. The FHA “ceiling” applies to high-cost areas and is set at 150% of the conforming loan limit, or $726,525. Outside of a few exceptions, this is the highest mortgage the agency will insure for a single-family home. In other areas, loan limits fall somewhere between the FHA floor and ceiling.
Here are the 2019 standard FHA limits for all property types:

  • One-unit: $314,827
  • Two-unit: $403,125
  • Three-unit: $487,250
  • Four-unit: $605,525

Here are the 2019 standard FHA limits for high-cost areas:

  • One-unit: $726,525
  • Two-unit: $930,300
  • Three-unit: $1,124,475
  • Four-unit: $1,397,400

Do you qualify for an FHA loan in Georgia?

To be approved for an FHA loan, you’ll need a credit score of at least 500. With a credit score this low, however, you’ll have to provide a down payment of at least 10%. If your credit score is 580 or better, you could be approved for a mortgage with a down payment as low as 3.5%.

Your debt-to-income ratio will also come into play in the process of qualifying for an FHA loan. This is how much debt you have compared to your monthly income. To find out whether an FHA loan may be right for you, visit LendingTree’s FHA loan page, which provides step-by-step instructions on preparing to apply, along with more details on how the loans work. You can also compare FHA loan offers.

 

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