If you’re buying a home in Georgia in 2025 with an FHA-backed mortgage, it’s important to understand the FHA loan limits. These limits, set by the U.S. Department of Housing and Urban Development (HUD), determine the maximum you can borrow with an FHA-insured loan. Staying within these limits can help you access benefits like lower down payment requirements and more flexible credit score criteria, while avoiding alternative financing that may carry higher costs.
In this guide, we’ll break down the 2025 FHA loan limits for Georgia, explain how they are calculated, and highlight what they mean for your homebuying options.
2025 FHA Loan Limits for Georgia
For 2025, FHA loan limits in Georgia for a single-family home have a baseline (standard) limit of $524,225. In designated higher-cost counties—where median home values exceed HUD thresholds—the limit increases up to $692,300. This tiered structure reflects the diversity of Georgia’s housing markets, from more affordable areas to higher-priced urban and suburban regions like metro Atlanta.
| County | 1 Unit | 2 Units | 3 Units | 4 Units |
|---|---|---|---|---|
| Appling County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Atkinson County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Bacon County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Baker County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Baldwin County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Banks County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Barrow County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Bartow County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Ben Hill County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Berrien County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Bibb County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Bleckley County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Brantley County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Brooks County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Bryan County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Bulloch County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Burke County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Butts County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Calhoun County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Camden County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Candler County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Carroll County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Catoosa County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Charlton County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Chatham County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Chattahoochee County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Chattooga County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Cherokee County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Clarke County | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Clay County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Clayton County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Cleburne County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Clinch County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Cobb County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Coffee County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Colquitt County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Columbia County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Cook County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Coweta County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Crawford County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Crisp County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Dade County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Dawson County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Decatur County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| DeKalb County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Dodge County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Dooly County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Dougherty County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Douglas County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Early County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Echols County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Effingham County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Elbert County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Emanuel County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Evans County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Fannin County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Fayette County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Floyd County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Forsyth County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Franklin County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Fulton County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Gilmer County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Glascock County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Glynn County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Gordon County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Grady County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Greene County | $555,450 | $711,050 | $859,500 | $1,068,200 |
| Gwinnett County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Habersham County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Hall County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Hancock County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Haralson County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Harris County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Hart County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Heard County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Henry County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Houston County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Irwin County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Jackson County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Jasper County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Jeff Davis County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Jefferson County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Jenkins County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Johnson County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Jones County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Lamar County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Lanier County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Laurens County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Lee County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Liberty County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Lincoln County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Long County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Lowndes County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Lumpkin County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Macon County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Madison County | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Marion County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| McDuffie County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| McIntosh County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Meriwether County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Miller County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Mitchell County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Monroe County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Montgomery County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Morgan County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Murray County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Muscogee County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Newton County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Oconee County | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Oglethorpe County | $603,750 | $772,900 | $934,250 | $1,161,050 |
| Paulding County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Peach County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Pickens County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Pierce County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Pike County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Polk County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Pulaski County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Putnam County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Quitman County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Rabun County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Randolph County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Richmond County | $692,300 | $886,250 | $1,071,300 | $1,331,350 |
| Rockdale County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Schley County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Screven County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Seminole County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Spalding County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Stephens County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Stewart County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Sumter County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Talbot County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Taliaferro County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Tattnall County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Taylor County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Telfair County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Terrell County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Thomas County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Tift County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Toombs County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Towns County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Treutlen County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Troup County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Turner County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Twiggs County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Union County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Upson County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Walker County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Walton County | $688,850 | $881,850 | $1,065,950 | $1,324,750 |
| Ware County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Warren County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Washington County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Wayne County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Webster County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Wheeler County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| White County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Whitfield County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Wilcox County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Wilkes County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Wilkinson County | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Worth County | $524,225 | $671,200 | $811,275 | $1,008,300 |
How Are FHA Loan Limits Determined?
HUD sets FHA loan limits annually based on national and local housing market data. First, HUD establishes a national “floor” and “ceiling” based on the nationwide median home price and statutory formulas. Then, HUD reviews each county’s median home price. If a county’s median exceeds a certain percentage of the national baseline, it qualifies as a high-cost area, triggering a higher FHA limit (up to the ceiling).
In Georgia, most counties remain at the $524,225 baseline, but higher-priced markets—such as some areas in metro Atlanta—may qualify for increased limits up to $692,300.
Because home prices change annually, HUD adjusts these limits each year to align FHA financing with market conditions.
Why Do FHA Loan Limits Matter?
FHA loan limits determine the maximum you can borrow with an FHA-insured loan, which directly impacts:
- Eligibility for FHA Financing: If your desired loan amount (purchase price minus down payment) exceeds the FHA limit for your county, you cannot use FHA insurance and must explore other options like conventional or jumbo financing.
- Down Payment Planning: FHA loans typically require just 3.5% down for eligible borrowers. Knowing the limit helps you decide whether to adjust your purchase price or increase your down payment.
- Refinance Options: FHA refinance programs, including Streamline refinances, are only available up to the local FHA limit. If your mortgage exceeds that, a conventional refinance may be necessary.
- Monthly Costs & Mortgage Insurance: FHA loans require mortgage insurance premiums (MIP). Staying under the limit lets you use FHA’s more flexible guidelines rather than stricter, and possibly costlier, alternatives.
- Competitive Markets: In competitive Georgia markets like Atlanta, buyers may offer above FHA limits. Understanding local limits helps guide your financing strategy.
Benefits of Staying Within FHA Limits
- Low Down Payment: As little as 3.5% for qualified buyers
- More Flexible Credit Requirements: FHA often allows lower credit scores than conventional loans
- Competitive Interest Rates: FHA-backed mortgages can offer favorable rates
- Streamlined Refinancing: Easier refinancing through FHA programs with less documentation
Understanding FHA loan limits is key to making informed decisions throughout your homebuying journey. Staying within these limits helps you access the unique benefits of FHA financing—like low down payments and flexible credit terms—while planning effectively for costs, refinancing options, and competitive bidding in your local market.
Frequently Asked Questions
How do FHA loan limits compare to Georgia’s conforming loan limits?
For 2025, Georgia’s conforming loan limits—set by the Federal Housing Finance Agency (FHFA)—peak around $806,500 for single-family homes in higher-cost counties. In contrast, FHA loan limits set by HUD have a baseline of $524,225 and rise to $692,300 in designated high-cost counties. While FHA loan limits are generally lower, FHA loans offer advantages such as lower down payment requirements (as low as 3.5%) and more flexible credit score guidelines. If your desired loan amount exceeds FHA limits but is within conforming limits, a conventional loan with private mortgage insurance (PMI) may be a suitable alternative.
How do I find my county’s FHA loan limit in Georgia?
To find your county’s FHA loan limit, you can use the official HUD FHA loan limits lookup tool, which provides detailed limits by county and property type. For convenience and accuracy, you can also use JVM Lending’s Loan Limit Checker, which quickly shows current FHA limits specific to your Georgia county, helping you verify eligibility before applying.
Can FHA loans be used to buy multi-unit properties in Georgia?
Yes, FHA loans can finance properties with 1 to 4 units, including duplexes, triplexes, and fourplexes. The FHA loan limits increase with each additional unit to reflect higher property values. For example, a duplex in a high-cost Georgia county will have a higher FHA loan limit than a single-family home. To qualify, the borrower must occupy one of the units as their primary residence.
Do FHA loan limits change every year in Georgia?
Yes, FHA loan limits are reviewed and updated annually by HUD, usually effective January 1. These adjustments reflect changes in home prices and median values across counties to ensure FHA financing remains aligned with local real estate markets. It’s important for borrowers to check current limits each year to understand their borrowing capacity.
Ready to Explore FHA Loan Options in Georgia?
If you’re planning to buy a home in Georgia using FHA financing in 2025, JVM Lending is here to help. Our mortgage experts can guide you through Georgia’s county-specific FHA limits, explain your eligibility, and recommend the right loan strategy.
Contact us today to get started on your FHA loan in Georgia.