Georgia · FIPS 13057
2026 loan limits in Cherokee County, Georgia
The 2026 conforming loan limit for a one-unit home in Cherokee County is $832,750, which is the national baseline. The 2026 FHA limit is $718,750 (a high-cost FHA area).
- $832,750Conforming, 1 unit (2026)+$26,250 (+3.3%) vs 2025
- $718,750FHA, 1 unit (2026)+$29,900 (+4.3%) vs 2025
- $832,750VA, partial entitlement basisFull entitlement: no limit
- 1 of 159Rank in Georgiaby one-unit conforming limit
| Property | Conforming 2026 | Conforming 2025 | Change | FHA 2026 | FHA 2025 |
|---|---|---|---|---|---|
| 1 unit | $832,750 | $806,500 | +$26,250 (+3.3%) | $718,750 | $688,850 |
| 2 units | $1,066,250 | $1,032,650 | +$33,600 (+3.3%) | $920,150 | $881,850 |
| 3 units | $1,288,800 | $1,248,150 | +$40,650 (+3.3%) | $1,112,250 | $1,065,950 |
| 4 units | $1,601,750 | $1,551,250 | +$50,500 (+3.3%) | $1,382,250 | $1,324,750 |
How Cherokee County compares
- Georgia median one-unit conforming limit: $832,750 across 159 counties. This county is equal to the state median.
- National baseline for 2026: $832,750; high-cost ceiling: $1,249,125. This county is at the baseline.
- HUD area: Atlanta-Sandy Springs-Roswell, GA (CBSA 12060). Median sale price HUD used to set the 2026 FHA limit: $625,000.
Other counties in the same metro area
Counties in one metro area share one conforming limit.
- Barrow County, GA
- Bartow County, GA
- Butts County, GA
- Carroll County, GA
- Clayton County, GA
- Cobb County, GA
- Coweta County, GA
- Dawson County, GA
- DeKalb County, GA
- Douglas County, GA
- Fayette County, GA
- Forsyth County, GA
- Fulton County, GA
- Gwinnett County, GA
- Haralson County, GA
- Heard County, GA
- Henry County, GA
- Jasper County, GA
- Lumpkin County, GA
- Meriwether County, GA
- Morgan County, GA
- Newton County, GA
- Paulding County, GA
- Pickens County, GA
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
- HUD CY2025 FHA limits file, dated March 6, 2025.
- U.S. Department of Veterans Affairs, VA Circular 26-25-10, December 1, 2025; VA home loan limits.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed average for the week of October 29, 2026: 7.24%.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.