FHA Loan Limits and USDA Eligibility in Georgia
2026 FHA one-unit limits in Georgia range from $541,287 to $718,750. About 70% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $135,500. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Georgia
Georgia one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for Georgia
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EligibleIneligibleUSDA ineligible boundary
Georgia FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Appling County | $541,287 | $122,800 |
| Atkinson County | $541,287 | $122,800 |
| Bacon County | $541,287 | $122,800 |
| Baker County | $541,287 | $122,800 |
| Baldwin County | $541,287 | $122,800 |
| Banks County | $541,287 | $122,800 |
| Barrow County | $718,750 | $135,500 |
| Bartow County | $718,750 | $135,500 |
| Ben Hill County | $541,287 | $122,800 |
| Berrien County | $541,287 | $122,800 |
| Bibb County | $541,287 | $122,800 |
| Bleckley County | $541,287 | $122,800 |
| Brantley County | $541,287 | $122,800 |
| Brooks County | $541,287 | $122,800 |
| Bryan County | $541,287 | $123,400 |
| Bulloch County | $541,287 | $122,800 |
| Burke County | $541,287 | $122,800 |
| Butts County | $718,750 | $122,800 |
| Calhoun County | $541,287 | $122,800 |
| Camden County | $541,287 | $122,800 |
| Candler County | $541,287 | $122,800 |
| Carroll County | $718,750 | $135,500 |
| Catoosa County | $541,287 | $122,800 |
| Charlton County | $541,287 | $122,800 |
| Chatham County | $541,287 | $123,400 |
| Chattahoochee County | $541,287 | $122,800 |
| Chattooga County | $541,287 | $122,800 |
| Cherokee County | $718,750 | $135,500 |
| Clarke County | $616,400 | $122,800 |
| Clay County | $541,287 | $122,800 |
| Clayton County | $718,750 | $135,500 |
| Clinch County | $541,287 | $122,800 |
| Cobb County | $718,750 | $135,500 |
| Coffee County | $541,287 | $122,800 |
| Colquitt County | $541,287 | $122,800 |
| Columbia County | $541,287 | $122,800 |
| Cook County | $541,287 | $122,800 |
| Coweta County | $718,750 | $135,500 |
| Crawford County | $541,287 | $122,800 |
| Crisp County | $541,287 | $122,800 |
| Dade County | $541,287 | $122,800 |
| Dawson County | $718,750 | $135,500 |
| Decatur County | $541,287 | $122,800 |
| DeKalb County | $718,750 | $135,500 |
| Dodge County | $541,287 | $122,800 |
| Dooly County | $541,287 | $122,800 |
| Dougherty County | $541,287 | $122,800 |
| Douglas County | $718,750 | $135,500 |
| Early County | $541,287 | $122,800 |
| Echols County | $541,287 | $122,800 |
| Effingham County | $541,287 | $123,400 |
| Elbert County | $541,287 | $122,800 |
| Emanuel County | $541,287 | $122,800 |
| Evans County | $541,287 | $122,800 |
| Fannin County | $541,287 | $122,800 |
| Fayette County | $718,750 | $135,500 |
| Floyd County | $541,287 | $122,800 |
| Forsyth County | $718,750 | $135,500 |
| Franklin County | $541,287 | $122,800 |
| Fulton County | $718,750 | $135,500 |
| Gilmer County | $541,287 | $122,800 |
| Glascock County | $541,287 | $122,800 |
| Glynn County | $541,287 | $122,800 |
| Gordon County | $541,287 | $122,800 |
| Grady County | $541,287 | $122,800 |
| Greene County | $638,250 | $122,800 |
| Gwinnett County | $718,750 | $135,500 |
| Habersham County | $541,287 | $122,800 |
| Hall County | $541,287 | $122,800 |
| Hancock County | $541,287 | $122,800 |
| Haralson County | $718,750 | $122,800 |
| Harris County | $541,287 | $122,800 |
| Hart County | $541,287 | $122,800 |
| Heard County | $718,750 | $135,500 |
| Henry County | $718,750 | $135,500 |
| Houston County | $541,287 | $122,800 |
| Irwin County | $541,287 | $122,800 |
| Jackson County | $541,287 | $131,100 |
| Jasper County | $718,750 | $135,500 |
| Jeff Davis County | $541,287 | $122,800 |
| Jefferson County | $541,287 | $122,800 |
| Jenkins County | $541,287 | $122,800 |
| Johnson County | $541,287 | $122,800 |
| Jones County | $541,287 | $122,800 |
| Lamar County | $541,287 | $122,800 |
| Lanier County | $541,287 | $122,800 |
| Laurens County | $541,287 | $122,800 |
| Lee County | $541,287 | $122,800 |
| Liberty County | $541,287 | $122,800 |
| Lincoln County | $541,287 | $122,800 |
| Long County | $541,287 | $122,800 |
| Lowndes County | $541,287 | $122,800 |
| Lumpkin County | $718,750 | $122,800 |
| Macon County | $541,287 | $122,800 |
| Madison County | $616,400 | $122,800 |
| Marion County | $541,287 | $122,800 |
| McDuffie County | $541,287 | $122,800 |
| McIntosh County | $541,287 | $122,800 |
| Meriwether County | $718,750 | $122,800 |
| Miller County | $541,287 | $122,800 |
| Mitchell County | $541,287 | $122,800 |
| Monroe County | $541,287 | $126,300 |
| Montgomery County | $541,287 | $122,800 |
| Morgan County | $718,750 | $122,800 |
| Murray County | $541,287 | $122,800 |
| Muscogee County | $541,287 | $122,800 |
| Newton County | $718,750 | $135,500 |
| Oconee County | $616,400 | $122,800 |
| Oglethorpe County | $616,400 | $122,800 |
| Paulding County | $718,750 | $135,500 |
| Peach County | $541,287 | $122,800 |
| Pickens County | $718,750 | $135,500 |
| Pierce County | $541,287 | $122,800 |
| Pike County | $718,750 | $135,500 |
| Polk County | $541,287 | $122,800 |
| Pulaski County | $541,287 | $122,800 |
| Putnam County | $541,287 | $122,800 |
| Quitman County | $541,287 | $122,800 |
| Rabun County | $541,287 | $122,800 |
| Randolph County | $541,287 | $122,800 |
| Richmond County | $541,287 | $122,800 |
| Rockdale County | $718,750 | $135,500 |
| Schley County | $541,287 | $122,800 |
| Screven County | $541,287 | $122,800 |
| Seminole County | $541,287 | $122,800 |
| Spalding County | $718,750 | $135,500 |
| Stephens County | $541,287 | $122,800 |
| Stewart County | $541,287 | $122,800 |
| Sumter County | $541,287 | $122,800 |
| Talbot County | $541,287 | $122,800 |
| Taliaferro County | $541,287 | $122,800 |
| Tattnall County | $541,287 | $122,800 |
| Taylor County | $541,287 | $122,800 |
| Telfair County | $541,287 | $122,800 |
| Terrell County | $541,287 | $122,800 |
| Thomas County | $541,287 | $122,800 |
| Tift County | $541,287 | $122,800 |
| Toombs County | $541,287 | $122,800 |
| Towns County | $541,287 | $122,800 |
| Treutlen County | $541,287 | $122,800 |
| Troup County | $541,287 | $122,800 |
| Turner County | $541,287 | $122,800 |
| Twiggs County | $541,287 | $122,800 |
| Union County | $541,287 | $122,800 |
| Upson County | $541,287 | $122,800 |
| Walker County | $541,287 | $122,800 |
| Walton County | $718,750 | $135,500 |
| Ware County | $541,287 | $122,800 |
| Warren County | $541,287 | $122,800 |
| Washington County | $541,287 | $122,800 |
| Wayne County | $541,287 | $122,800 |
| Webster County | $541,287 | $122,800 |
| Wheeler County | $541,287 | $122,800 |
| White County | $541,287 | $122,800 |
| Whitfield County | $541,287 | $122,800 |
| Wilcox County | $541,287 | $122,800 |
| Wilkes County | $541,287 | $122,800 |
| Wilkinson County | $541,287 | $122,800 |
| Worth County | $541,287 | $122,800 |
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