FHA Loan Limits in Cobb County, Georgia (2026)
Buying in Cobb County or elsewhere in Cobb 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 Cobb County — Cobb County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Fulton and Gwinnett Counties.
FHA affordability around Cobb County
An FHA buyer near Cobb County faces an estimated $430,000 median, a $15,050 down payment, and — after Georgia's 0.90% property tax — a monthly cost around $3,229. That suits household income of roughly $125,000, above Georgia's $71,355 median household income, so budget carefully.
FHA payment scenarios in Cobb County
Here is what an FHA payment looks like at three Cobb County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $310,000 | $10,850 | $2,360 |
| Local median — $430,000 | $15,050 | $3,229 |
| At the FHA limit — $541,287 | $18,945 | $4,034 |
Estimates include FHA MIP plus Georgia property taxes and insurance. Rates move daily near Cobb County too — get notified.
Buyers across Cobb County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $15,050 down payment near Cobb County into little out of pocket.
Multi-unit FHA limits in Cobb County
Looking at a duplex or fourplex near Cobb County? FHA allows up to $692,997 on two units and $1,041,072 on four in Cobb 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 Cobb County for 2026?
- In Cobb County (Cobb 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 Cobb County with FHA?
- For a median-priced ($430,000) Cobb County home, plan on income around $125,000 at a 31% housing ratio — about $3,229/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Cobb County?
- 3.5% with a 580+ score — roughly $15,050 on a $430,000 Cobb County-area home. Gift funds are allowed.
- Is Cobb County a high-cost FHA area?
- No — Cobb County uses the $541,287 national floor for one unit.