Georgia FHA Loan Limits 2026

View FHA loan limits for all 159 counties in Georgia. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

159

Lowest Limit

$541,287

Highest Limit

$718,750

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Georgia has 125 standard-limit counties and 34 high-cost areas. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Appling County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Atkinson Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bacon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Baker County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Baldwin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Banks County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Barrow County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Bartow County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Ben Hill Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Berrien County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bibb County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bleckley Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brantley Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brooks County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bryan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bulloch County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Burke County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Butts County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Calhoun County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Camden County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Candler County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Carroll County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Catoosa County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Charlton Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chatham County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chattahoochee	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chattooga Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cherokee Count	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Clarke County	$616,400	$789,100	$953,850	$1,185,400	High-Cost	Calculate
Clay County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clayton County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Clinch County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cobb County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Coffee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Colquitt Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Columbia Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cook County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Coweta County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Crawford Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Crisp County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dade County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dawson County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Decatur County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dekalb County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Dodge County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dooly County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dougherty Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Douglas County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Early County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Echols County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Effingham Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Elbert County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Emanuel County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Evans County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fannin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fayette County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Floyd County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Forsyth County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Franklin Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fulton County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Gilmer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Glascock Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Glynn County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gordon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Grady County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Greene County	$638,250	$817,050	$987,650	$1,227,400	High-Cost	Calculate
Gwinnett Count	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Habersham Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hall County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hancock County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Haralson Count	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Harris County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hart County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Heard County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Henry County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Houston County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Irwin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jackson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jasper County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Jeff Davis Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jefferson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jenkins County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Johnson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jones County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lamar County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lanier County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Laurens County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Liberty County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lincoln County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Long County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lowndes County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lumpkin County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Macon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Madison County	$616,400	$789,100	$953,850	$1,185,400	High-Cost	Calculate
Marion County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mcduffie Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mcintosh Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Meriwether Cou	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Miller County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mitchell Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Monroe County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Montgomery Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Morgan County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Murray County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Muscogee Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Newton County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Oconee County	$616,400	$789,100	$953,850	$1,185,400	High-Cost	Calculate
Oglethorpe Cou	$616,400	$789,100	$953,850	$1,185,400	High-Cost	Calculate
Paulding Count	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Peach County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pickens County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Pierce County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pike County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Polk County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pulaski County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Putnam County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Quitman County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rabun County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Randolph Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Richmond Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rockdale Count	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Schley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Screven County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Seminole Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Spalding Count	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Stephens Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stewart County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sumter County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Talbot County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Taliaferro Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tattnall Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Taylor County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Telfair County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Terrell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Thomas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tift County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Toombs County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Towns County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Treutlen Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Troup County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Turner County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Twiggs County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Union County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Upson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Walker County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Walton County	$718,750	$920,150	$1,112,250	$1,382,250	High-Cost	Calculate
Ware County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Warren County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wayne County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Webster County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wheeler County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
White County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Whitfield Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wilcox County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wilkes County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wilkinson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Worth County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in Georgia

Use the calculator below with Georgia pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

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Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

Related Calculators

Mortgage DTI Closing Costs Down Payment Amortization First-Time Buyer Rent vs Buy

Understanding FHA Loan Limits in Georgia

FHA loan limits in Georgia vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Georgia's single-family FHA limits range from $541,287 to $718,750.

The variation in limits reflects differences in median home prices across Georgia's counties. 34 counties are designated as high-cost areas with limits above the national floor of $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.