FHA Loan Limits in Chatham County, Georgia (2026)
Buying in Chatham County or elsewhere in Chatham County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Southeast.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Chatham County — Chatham County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Fulton and Gwinnett Counties.
FHA affordability around Chatham County
With Chatham County's median sale price estimated near $337,000 (think Chatham County), the FHA down payment is roughly $11,795. Factoring Georgia property taxes near 0.90%, expect about $2,556 monthly, pointing to income near $99,000 — above Georgia's $71,355 median household income, so budget carefully.
FHA payment scenarios in Chatham County
Here is what an FHA payment looks like at three Chatham County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $243,000 | $8,505 | $1,875 |
| Local median — $337,000 | $11,795 | $2,556 |
| At the FHA limit — $541,287 | $18,945 | $4,034 |
Estimates include FHA MIP plus Georgia property taxes and insurance. Rates move daily near Chatham County too — get notified.
Buyers across Chatham County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $11,795 down payment near Chatham County into little out of pocket.
Multi-unit FHA limits in Chatham County
Looking at a duplex or fourplex near Chatham County? FHA allows up to $692,997 on two units and $1,041,072 on four in Chatham County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Chatham County for 2026?
- In Chatham County (Chatham County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Chatham County with FHA?
- For a median-priced ($337,000) Chatham County home, plan on income around $99,000 at a 31% housing ratio — about $2,556/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Chatham County?
- 3.5% with a 580+ score — roughly $11,795 on a $337,000 Chatham County-area home. Gift funds are allowed.
- Is Chatham County a high-cost FHA area?
- No — Chatham County uses the $541,287 national floor for one unit.