Clarke County, Georgia loan limits 2026
FIPS 13059 · 9 ZIP codes, e.g. 30601, 30602, 30603, 30604, 30605, 30606 · metro area (CBSA) 12020
In Clarke County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $616,400. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Clarke County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $616,400 | +3.3% |
| 2 units | $1,066,250 | $789,100 | +3.3% |
| 3 units | $1,288,800 | $953,850 | +3.3% |
| 4 units | $1,601,750 | $1,185,400 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Clarke County is in metro area CBSA 12020; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $100,100 · Athens-Clarke County, GA MSA
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $56,100 | $64,100 | $72,100 | $80,100 | $86,550 | $92,950 | $99,350 | $105,750 |
| Very low income (50%) | $35,050 | $40,050 | $45,050 | $50,050 | $54,100 | $58,100 | $62,100 | $66,100 |
| Extremely low income (30%) | $21,050 | $24,050 | $27,320 | $33,000 | $38,680 | $44,360 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,097/mo | $1,159 | -5.3% |
| 1 bedroom | $1,103/mo | $1,183 | -6.8% |
| 2 bedrooms | $1,285/mo | $1,331 | -3.5% |
| 3 bedrooms | $1,610/mo | $1,734 | -7.2% |
| 4 bedrooms | $1,689/mo | $1,831 | -7.8% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Athens-Clarke County, GA MSA.
Same metro area
Counties in CBSA 12020 share the same loan limits.
Other counties in Georgia
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Clarke County, GA for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Clarke County?
$616,400 for a single-family home in 2026 (HUD), up to $1,185,400 for a four-unit property.
What counts as a jumbo loan in Clarke County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Clarke County in 2026.
What are the HUD income limits in Clarke County?
For a family of four (FY2026): low income $80,100, very low income $50,050, extremely low income $33,000; area median family income $100,100.
What is the fair market rent in Clarke County?
$1,285 a month for a two-bedroom unit in FY2027 (HUD), $1,103 for one bedroom.