Loan Limits / Georgia / Atkinson County
2026 Loan Limits · Georgia · DOUGLAS, GA
Atkinson County, GA.
2026 conforming and FHA loan limits, calibrated to a median sales price of $100,000.
Median Sales Price
$100,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Atkinson County
Atkinson County is a county located in the southeastern region of the U.S. state of Georgia. As of the 2020 census, the county's population was 8,286. The county seat is Pearson. The county was formed in 1917 from parts of Coffee and Clinch counties. It is named for William Yates Atkinson, Democratic governor of Georgia from 1894 to 1898. In 2003, it had the highest illiteracy rate of any U.S. county at 36%. Read more on Wikipedia →
Population
8,261
U.S. Census ACS 2023
Median Household Income
$38,438
U.S. Census ACS 2023
Median Home Value (Census)
$76,300
Owner-occupied · ACS 2023
Owner-Occupancy Rate
65%
Of occupied housing
What these limits mean for buyers in Atkinson County
The 2026 conforming 1-unit limit for Atkinson County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Atkinson County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Atkinson County at $100,000. This matches the FHA national floor — Atkinson County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Atkinson County ($100,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Atkinson County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Atkinson County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.