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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in GA - Georgia FHA Mortgage

Georgia Mortgages

2024 FHA Loan Limits for Georgia

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Georgia are below.

Select County
County Name One Family Two Family Three Family Four Family
Appling One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Atkinson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bacon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Baker One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Baldwin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Banks One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Barrow One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Bartow One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Ben Hill One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Berrien One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bibb One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bleckley One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Brantley One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Brooks One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bryan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bulloch One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Burke One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Butts One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Calhoun One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Camden One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Candler One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Carroll One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Catoosa One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Charlton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chatham One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chattahoochee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chattooga One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cherokee One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Clarke One Family$603,750 Two Family$772,900 Three Family$934,250 Four Family$1,161,050
Clay One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clayton One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Clinch One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cobb One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Coffee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Colquitt One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Columbia One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cook One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Coweta One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Crawford One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Crisp One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dade One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dawson One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Decatur One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dekalb One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Dodge One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dooly One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dougherty One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Douglas One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Early One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Echols One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Effingham One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Elbert One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Emanuel One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Evans One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fannin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fayette One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Floyd One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Forsyth One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Franklin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fulton One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Gilmer One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Glascock One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Glynn One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Gordon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grady One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Greene One Family$555,450 Two Family$711,050 Three Family$859,500 Four Family$1,068,200
Gwinnett One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Habersham One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hall One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hancock One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Haralson One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Harris One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hart One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Heard One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Henry One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Houston One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Irwin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jackson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jasper One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Jeff Davis One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jefferson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jenkins One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Johnson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jones One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lamar One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Lanier One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Laurens One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Liberty One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lincoln One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Long One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lowndes One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lumpkin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Macon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Madison One Family$603,750 Two Family$772,900 Three Family$934,250 Four Family$1,161,050
Marion One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mcduffie One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mcintosh One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Meriwether One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Miller One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mitchell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Monroe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Montgomery One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Morgan One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Murray One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Muscogee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Newton One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Oconee One Family$603,750 Two Family$772,900 Three Family$934,250 Four Family$1,161,050
Oglethorpe One Family$603,750 Two Family$772,900 Three Family$934,250 Four Family$1,161,050
Paulding One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Peach One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pickens One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Pierce One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pike One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Polk One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pulaski One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Putnam One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Quitman One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rabun One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Randolph One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Richmond One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rockdale One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Schley One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Screven One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Seminole One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Spalding One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Stephens One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Stewart One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sumter One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Talbot One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Taliaferro One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tattnall One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Taylor One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Telfair One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Terrell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Thomas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tift One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Toombs One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Towns One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Treutlen One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Troup One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Turner One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Twiggs One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Union One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Upson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Walker One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Walton One Family$688,850 Two Family$881,850 Three Family$1,065,950 Four Family$1,324,750
Ware One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Warren One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wayne One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Webster One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wheeler One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
White One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Whitfield One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wilcox One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wilkes One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wilkinson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Worth One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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