Loan Limits / Georgia / Harris County
2026 Loan Limits · Georgia · COLUMBUS, GA-AL
Harris County, GA.
2026 conforming and FHA loan limits, calibrated to a median sales price of $325,000.
Median Sales Price
$325,000
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 Harris County
Harris County is a county located in the west-central portion of the U.S. state of Georgia; its western border with the state of Alabama is formed by the Chattahoochee River. As of the 2020 census, the population was 34,668. The county seat is Hamilton. The largest city in the county is Pine Mountain, a resort town that is home to the Franklin D. Roosevelt State Park. Harris County was created on December 14, 1827, and named for Charles Harris, a Georgia judge and attorney. Harris County is part of the Columbus, GA-AL metropolitan area and has become a popular suburban and exurban destination of residence for families relocating from Columbus. Because of this, Harris has become the sixth-wealthiest county in Georgia in terms of per capita income and the third-wealthiest in the state outside of Metro Atlanta. Read more on Wikipedia →
Population
35,509
U.S. Census ACS 2023
Median Household Income
$89,184
U.S. Census ACS 2023
Median Home Value (Census)
$278,700
Owner-occupied · ACS 2023
Owner-Occupancy Rate
88%
Of occupied housing
What these limits mean for buyers in Harris County
The 2026 conforming 1-unit limit for Harris 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. Harris 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 Harris County at $325,000. This matches the FHA national floor — Harris County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Harris County ($325,000) 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
Harris 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 Harris County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.