Loan Limits / Georgia / Forsyth County
2026 Loan Limits · Georgia · ATLANTA-SANDY SPRINGS-ROSWELL, GA
Forsyth County, GA.
2026 conforming and FHA loan limits, calibrated to a median sales price of $625,000.
Median Sales Price
$625,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$718,750
Mid-tier
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)
Mid-tier| 1-unit (single-family) | $718,750 |
| 2-unit (duplex) | $920,150 |
| 3-unit (triplex) | $1,112,250 |
| 4-unit (fourplex) | $1,382,250 |
About this county
About Forsyth County
Forsyth County is a county in the Northeast region of the U.S. state of Georgia. Suburban and exurban in character, Forsyth County lies within the Atlanta metropolitan area. The county's only incorporated city and county seat is Cumming. At the 2020 census, the population was 251,283. Forsyth was the fastest-growing county in Georgia and the 15th fastest-growing county in the United States between 2010 and 2019. Forsyth County's rapid population growth can be attributed to its proximity to high-income employment opportunities in nearby Alpharetta and northern Fulton County, its equidistant location between the big-city amenities of bustling Atlanta and the recreation offerings of the scenic Blue Ridge Mountains, its plentiful supply of large, relatively affordable new-construction homes, and its highly ranked public school system. The influx of high-income professionals and their families has increased the county's median annual household income dramatically in recent years; at $112,834, Forsyth County was the wealthiest in Georgia and the 16th-wealthiest in the United States as of the 2020 census estimates. Read more on Wikipedia →
Population
260,062
U.S. Census ACS 2023
Median Household Income
$138,000
U.S. Census ACS 2023
Median Home Value (Census)
$493,800
Owner-occupied · ACS 2023
Owner-Occupancy Rate
85%
Of occupied housing
What these limits mean for buyers in Forsyth County
The 2026 conforming 1-unit limit for Forsyth 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. Forsyth County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $718,750. The HUD CHUMS table pegs the median sales price for Forsyth County at $625,000. Forsyth County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Forsyth County ($625,000) 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
Forsyth 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 Forsyth County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.