2019 FHA Loan Limits in Georgia

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Updated on Wednesday, April 3, 2019

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Home prices in the U.S. have been on the rise. For buyers looking to purchase a home with an Federal Housing Administration (FHA) loan, that could mean having to find a different form of financing. Fortunately, FHA loan limits are assessed and adjusted annually to keep up with the trends in home prices.

In 2019, FHA loan limits for a single-family home in Georgia range from $314,827, the standard limit in place for most of the country, to $515,200 in designated “high-cost” counties.

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The housing market in most of Georgia is considered “affordable,” current home price trends notwithstanding. Median prices in most of the state fall below $235,000, the estimated average for a U.S. home in late 2018, according to the National Association of Realtors. Even the state’s capital and largest city, Atlanta, has one of the nation’s lowest cost-of-living indexes among large metro areas.

Georgia’s affordability is good news for FHA buyers and their likelihood of finding a property within loan limits. Of the state’s 159 counties, 79% have the standard loan limit of $314,827 in place. For the remaining high-cost counties, only a single county — Greene — has a limit above $400,000, at $515,200 for single-family dwellings. By comparison, the national conforming loan limit for mortgages that follow Fannie Mae and Freddie Mac guidelines increased to $484,350 for 2019.

Naturally, FHA loans are a popular choice for buyers in the Peach State. In 2018, 4.64% of the nation’s FHA loans came from Georgia, a significant percentage for a single state.

Georgia FHA Loan Limits by County

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian 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 calculated?

Limits for FHA loans are established by the FHA annually to cap the dollar amount of mortgages it will insure. Loan limits are based in part on estimated median home prices in a particular area, as well as on the limits in place for conforming loans. The FHA sets a “floor,” the lowest limit, and a “ceiling,” the maximum amount allowed.

Loan limits are established for single-family as well as multi-family homes. In 2019, the standard FHA limits are as follows:

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

In designated high-cost areas, limits are higher:

  • 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?

With low down payment requirements and flexible borrower criteria, FHA loans can be a great financing option for many homebuyers, especially first-time buyers. But there are several factors to consider when financing with an FHA loan.