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2025 FHA Loan Limits in Georgia

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Georgia residents can qualify for a FHA loan by meeting minimum credit and down payment requirements. Loan limits for this loan backed by the Federal Housing Administration will vary based on county. In Georgia, FHA loan limits range anywhere from $524,225 to $688,850 for a single-family home in 2025. Purchasing a property with multiple units has higher FHA loan limits.

Georgia FHA loan limits by county

County name	One unit	Two units	Three units	Four units	Median sales price
APPLING	$524,225	$671,200	$811,275	$1,008,300	$95,000
ATKINSON	$524,225	$671,200	$811,275	$1,008,300	$97,000
BACON	$524,225	$671,200	$811,275	$1,008,300	$70,000
BAKER	$524,225	$671,200	$811,275	$1,008,300	$102,000
BALDWIN	$524,225	$671,200	$811,275	$1,008,300	$159,000
BANKS	$524,225	$671,200	$811,275	$1,008,300	$273,000
BARROW	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
BARTOW	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
BEN HILL	$524,225	$671,200	$811,275	$1,008,300	$65,000
BERRIEN	$524,225	$671,200	$811,275	$1,008,300	$105,000
BIBB	$524,225	$671,200	$811,275	$1,008,300	$248,000
BLECKLEY	$524,225	$671,200	$811,275	$1,008,300	$129,000
BRANTLEY	$524,225	$671,200	$811,275	$1,008,300	$311,000
BROOKS	$524,225	$671,200	$811,275	$1,008,300	$215,000
BRYAN	$524,225	$671,200	$811,275	$1,008,300	$389,000
BULLOCH	$524,225	$671,200	$811,275	$1,008,300	$255,000
BURKE	$524,225	$671,200	$811,275	$1,008,300	$292,000
BUTTS	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
CALHOUN	$524,225	$671,200	$811,275	$1,008,300	$59,000
CAMDEN	$524,225	$671,200	$811,275	$1,008,300	$259,000
CANDLER	$524,225	$671,200	$811,275	$1,008,300	$120,000
CARROLL	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
CATOOSA	$524,225	$671,200	$811,275	$1,008,300	$329,000
CHARLTON	$524,225	$671,200	$811,275	$1,008,300	$110,000
CHATHAM	$524,225	$671,200	$811,275	$1,008,300	$389,000
CHATTAHOOCHEE	$524,225	$671,200	$811,275	$1,008,300	$282,000
CHATTOOGA	$524,225	$671,200	$811,275	$1,008,300	$98,000
CHEROKEE	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
CLARKE	$603,750	$772,900	$934,250	$1,161,050	$525,000
CLAY	$524,225	$671,200	$811,275	$1,008,300	$110,000
CLAYTON	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
CLINCH	$524,225	$671,200	$811,275	$1,008,300	$65,000
COBB	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
COFFEE	$524,225	$671,200	$811,275	$1,008,300	$97,000
COLQUITT	$524,225	$671,200	$811,275	$1,008,300	$130,000
COLUMBIA	$524,225	$671,200	$811,275	$1,008,300	$292,000
COOK	$524,225	$671,200	$811,275	$1,008,300	$92,000
COWETA	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
CRAWFORD	$524,225	$671,200	$811,275	$1,008,300	$248,000
CRISP	$524,225	$671,200	$811,275	$1,008,300	$127,000
DADE	$524,225	$671,200	$811,275	$1,008,300	$329,000
DAWSON	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
DECATUR	$524,225	$671,200	$811,275	$1,008,300	$144,000
DEKALB	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
DODGE	$524,225	$671,200	$811,275	$1,008,300	$107,000
DOOLY	$524,225	$671,200	$811,275	$1,008,300	$78,000
DOUGHERTY	$524,225	$671,200	$811,275	$1,008,300	$240,000
DOUGLAS	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
EARLY	$524,225	$671,200	$811,275	$1,008,300	$63,000
ECHOLS	$524,225	$671,200	$811,275	$1,008,300	$215,000
EFFINGHAM	$524,225	$671,200	$811,275	$1,008,300	$389,000
ELBERT	$524,225	$671,200	$811,275	$1,008,300	$77,000
EMANUEL	$524,225	$671,200	$811,275	$1,008,300	$81,000
EVANS	$524,225	$671,200	$811,275	$1,008,300	$80,000
FANNIN	$524,225	$671,200	$811,275	$1,008,300	$380,000
FAYETTE	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
FLOYD	$524,225	$671,200	$811,275	$1,008,300	$183,000
FORSYTH	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
FRANKLIN	$524,225	$671,200	$811,275	$1,008,300	$160,000
FULTON	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
GILMER	$524,225	$671,200	$811,275	$1,008,300	$175,000
GLASCOCK	$524,225	$671,200	$811,275	$1,008,300	$114,000
GLYNN	$524,225	$671,200	$811,275	$1,008,300	$311,000
GORDON	$524,225	$671,200	$811,275	$1,008,300	$239,000
GRADY	$524,225	$671,200	$811,275	$1,008,300	$125,000
GREENE	$555,450	$711,050	$859,500	$1,068,200	$483,000
GWINNETT	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
HABERSHAM	$524,225	$671,200	$811,275	$1,008,300	$255,000
HALL	$524,225	$671,200	$811,275	$1,008,300	$367,000
HANCOCK	$524,225	$671,200	$811,275	$1,008,300	$159,000
HARALSON	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
HARRIS	$524,225	$671,200	$811,275	$1,008,300	$282,000
HART	$524,225	$671,200	$811,275	$1,008,300	$212,000
HEARD	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
HENRY	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
HOUSTON	$524,225	$671,200	$811,275	$1,008,300	$249,000
IRWIN	$524,225	$671,200	$811,275	$1,008,300	$103,000
JACKSON	$524,225	$671,200	$811,275	$1,008,300	$380,000
JASPER	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
JEFF DAVIS	$524,225	$671,200	$811,275	$1,008,300	$70,000
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300	$60,000
JENKINS	$524,225	$671,200	$811,275	$1,008,300	$100,000
JOHNSON	$524,225	$671,200	$811,275	$1,008,300	$113,000
JONES	$524,225	$671,200	$811,275	$1,008,300	$248,000
LAMAR	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
LANIER	$524,225	$671,200	$811,275	$1,008,300	$215,000
LAURENS	$524,225	$671,200	$811,275	$1,008,300	$113,000
LEE	$524,225	$671,200	$811,275	$1,008,300	$240,000
LIBERTY	$524,225	$671,200	$811,275	$1,008,300	$260,000
LINCOLN	$524,225	$671,200	$811,275	$1,008,300	$292,000
LONG	$524,225	$671,200	$811,275	$1,008,300	$260,000
LOWNDES	$524,225	$671,200	$811,275	$1,008,300	$215,000
LUMPKIN	$524,225	$671,200	$811,275	$1,008,300	$310,000
MACON	$524,225	$671,200	$811,275	$1,008,300	$45,000
MADISON	$603,750	$772,900	$934,250	$1,161,050	$525,000
MARION	$524,225	$671,200	$811,275	$1,008,300	$282,000
MCDUFFIE	$524,225	$671,200	$811,275	$1,008,300	$292,000
MCINTOSH	$524,225	$671,200	$811,275	$1,008,300	$311,000
MERIWETHER	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
MILLER	$524,225	$671,200	$811,275	$1,008,300	$90,000
MITCHELL	$524,225	$671,200	$811,275	$1,008,300	$81,000
MONROE	$524,225	$671,200	$811,275	$1,008,300	$248,000
MONTGOMERY	$524,225	$671,200	$811,275	$1,008,300	$96,000
MORGAN	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
MURRAY	$524,225	$671,200	$811,275	$1,008,300	$215,000
MUSCOGEE	$524,225	$671,200	$811,275	$1,008,300	$282,000
NEWTON	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
OCONEE	$603,750	$772,900	$934,250	$1,161,050	$525,000
OGLETHORPE	$603,750	$772,900	$934,250	$1,161,050	$525,000
PAULDING	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
PEACH	$524,225	$671,200	$811,275	$1,008,300	$249,000
PICKENS	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
PIERCE	$524,225	$671,200	$811,275	$1,008,300	$125,000
PIKE	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
POLK	$524,225	$671,200	$811,275	$1,008,300	$170,000
PULASKI	$524,225	$671,200	$811,275	$1,008,300	$112,000
PUTNAM	$524,225	$671,200	$811,275	$1,008,300	$270,000
QUITMAN	$524,225	$671,200	$811,275	$1,008,300	$143,000
RABUN	$524,225	$671,200	$811,275	$1,008,300	$272,000
RANDOLPH	$524,225	$671,200	$811,275	$1,008,300	$50,000
RICHMOND	$524,225	$671,200	$811,275	$1,008,300	$292,000
ROCKDALE	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
SCHLEY	$524,225	$671,200	$811,275	$1,008,300	$80,000
SCREVEN	$524,225	$671,200	$811,275	$1,008,300	$80,000
SEMINOLE	$524,225	$671,200	$811,275	$1,008,300	$118,000
SPALDING	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
STEPHENS	$524,225	$671,200	$811,275	$1,008,300	$175,000
STEWART	$524,225	$671,200	$811,275	$1,008,300	$282,000
SUMTER	$524,225	$671,200	$811,275	$1,008,300	$80,000
TALBOT	$524,225	$671,200	$811,275	$1,008,300	$282,000
TALIAFERRO	$524,225	$671,200	$811,275	$1,008,300	$121,000
TATTNALL	$524,225	$671,200	$811,275	$1,008,300	$90,000
TAYLOR	$524,225	$671,200	$811,275	$1,008,300	$50,000
TELFAIR	$524,225	$671,200	$811,275	$1,008,300	$50,000
TERRELL	$524,225	$671,200	$811,275	$1,008,300	$240,000
THOMAS	$524,225	$671,200	$811,275	$1,008,300	$200,000
TIFT	$524,225	$671,200	$811,275	$1,008,300	$159,000
TOOMBS	$524,225	$671,200	$811,275	$1,008,300	$96,000
TOWNS	$524,225	$671,200	$811,275	$1,008,300	$200,000
TREUTLEN	$524,225	$671,200	$811,275	$1,008,300	$113,000
TROUP	$524,225	$671,200	$811,275	$1,008,300	$207,000
TURNER	$524,225	$671,200	$811,275	$1,008,300	$110,000
TWIGGS	$524,225	$671,200	$811,275	$1,008,300	$248,000
UNION	$524,225	$671,200	$811,275	$1,008,300	$160,000
UPSON	$524,225	$671,200	$811,275	$1,008,300	$144,000
WALKER	$524,225	$671,200	$811,275	$1,008,300	$329,000
WALTON	$688,850	$881,850	$1,065,950	$1,324,750	$599,000
WARE	$524,225	$671,200	$811,275	$1,008,300	$125,000
WARREN	$524,225	$671,200	$811,275	$1,008,300	$50,000
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300	$91,000
WAYNE	$524,225	$671,200	$811,275	$1,008,300	$150,000
WEBSTER	$524,225	$671,200	$811,275	$1,008,300	$50,000
WHEELER	$524,225	$671,200	$811,275	$1,008,300	$100,000
WHITE	$524,225	$671,200	$811,275	$1,008,300	$265,000
WHITFIELD	$524,225	$671,200	$811,275	$1,008,300	$215,000
WILCOX	$524,225	$671,200	$811,275	$1,008,300	$45,000
WILKES	$524,225	$671,200	$811,275	$1,008,300	$95,000
WILKINSON	$524,225	$671,200	$811,275	$1,008,300	$59,000
WORTH	$524,225	$671,200	$811,275	$1,008,300	$240,000

How are FHA loan limits determined?

The U.S. Department of Housing and Urban Development (HUD) determines the FHA loan limits each year. Each county has its own limits and is typically based on the previous year’s median sales price. It’s also based on a formula, or the percentage of conforming loan limits set by the Federal Housing Finance Agency (FHFA).

The lowest FHA loan limit is known as the “floor,” and is $524,225 in 2025. This amount is 65% of the national confirming limit of $806,500 for single-family properties. The “ceiling,” or highest FHA loan limit, is 150% of the conforming loan limit. For 2025, it is set at $1,209,750.

Finally, Alaska, Hawaii, Guam and the U.S. Virgin Islands are designated as special exception areas that have even higher limits of $1,814,625 for a single-family home in 2025.

How to qualify for an FHA loan in Georgia

Homeowners who may not be able to qualify for a conventional loan or other types of government-backed mortgages can consider FHA loans as an alternative. It’s possible to borrow up to $688,850 in Georgia. While requirements may be less stringent, you will need to meet the following criteria:

Credit score: Homebuyers can qualify for an FHA loan with a credit score of at least 500. However, borrowers with a minimum 580 credit score can take advantage of lower down payment requirements.
Down payment: Lenders require borrowers with a 500 credit score to put down at least 10%, but that down payment requirement goes down to 3.5% if you have a credit score of at least 580.
FHA home appraisal: To qualify for a home purchase, you will need to complete an FHA home appraisal. This is so the lender can physically inspect the building to ensure it’s up to standards and to determine its current market value.
Mortgage insurance: All loans require FHA mortgage insurance. The upfront mortgage insurance premium (UFMIP) is 1.75% and rolled into your mortgage. There is also the annual mortgage insurance premium (MIP), which is based on a percentage of your loan amount and paid monthly.
Debt-to-income (DTI) ratio: Most lenders will require that your DTI ratio is at or below 43%. In some cases, your DTI ratio can be as high as 45%.
Occupancy: The loan must be for your primary residence that you live in for at least one year.

Buying a multifamily property with an FHA loan

FHA loans also allow you to purchase a multifamily home of two to four units with only a 3.5% down payment. It tends to be a popular house hacking strategy, where you live in one unit while renting the others.

Some requirements you’ll need to meet include:

Meeting minimum DTI requirements — lenders may consider potential rental income to qualify for the loan, as well
At least a 580 credit score
If you decide to rent out the additional units, some amount of cash reserves on hand is required
The primary owner must occupy one of the units

FHA loan limits for multifamily homes in Georgia in 2025 are: