FHA Loan Limits in Clarke County, Georgia (2026)
Buying in Clarke County or elsewhere in Clarke 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 Clarke County — Clarke County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Fulton and Gwinnett Counties.
FHA affordability around Clarke County
With Clarke County's median sale price estimated near $350,000 (think Clarke County), the FHA down payment is roughly $12,250. Factoring Georgia property taxes near 0.90%, expect about $2,650 monthly, pointing to income near $103,000 — above Georgia's $71,355 median household income, so budget carefully.
FHA payment scenarios in Clarke County
FHA payments across Clarke County price points — from entry homes near Clarke County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $252,000 | $8,820 | $1,941 |
| Local median — $350,000 | $12,250 | $2,650 |
| At the FHA limit — $541,287 | $18,945 | $4,034 |
Estimates include FHA MIP plus Georgia property taxes and insurance. Rates move daily near Clarke County too — get notified.
Buyers across Clarke County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,250 down payment near Clarke County into little out of pocket.
Multi-unit FHA limits in Clarke County
Clarke County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Clarke County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Clarke County for 2026?
- In Clarke County (Clarke 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 Clarke County with FHA?
- For a median-priced ($350,000) Clarke County home, plan on income around $103,000 at a 31% housing ratio — about $2,650/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Clarke County?
- 3.5% with a 580+ score — roughly $12,250 on a $350,000 Clarke County-area home. Gift funds are allowed.
- Is Clarke County a high-cost FHA area?
- No — Clarke County uses the $541,287 national floor for one unit.