FHA & Conforming Loan Limits 2026: Gwinnett County, Georgia
Atlanta Metro Area limits. FHA: $546,250 | Conforming: $766,550
📊 2026 Loan Limits at a Glance
| Property Type | FHA Limit | Conforming Limit |
|---|---|---|
| 1-Unit (Single Family) | $546,250 | $766,550 |
| 2-Unit (Duplex) | $699,300 | $981,500 |
| 3-Unit (Triplex) | $845,350 | $1,186,350 |
| 4-Unit (Fourplex) | $1,050,500 | $1,474,400 |
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Get FHA Pre-Approval →Understanding Gwinnett County Loan Limits
Gwinnett County is one of the most populous counties in Georgia and part of the Atlanta-Sandy Springs-Roswell metropolitan statistical area (MSA). Due to higher median home prices in the Atlanta metro, Gwinnett County has elevated FHA loan limits of $546,250—about $48,000 higher than the national floor.
Why Gwinnett Has Higher FHA Limits
FHA loan limits are calculated based on 115% of the median home price in each area. The Atlanta metro's median home price of approximately $420,000-$475,000 pushes Gwinnett County above the baseline limit. This benefits buyers who need more purchasing power.
FHA Loan Requirements for Gwinnett County
- Minimum Credit Score: 580 for 3.5% down payment, 500-579 for 10% down
- Down Payment: 3.5% minimum ($19,119 on a $546,250 home)
- Debt-to-Income Ratio: Up to 43% (some lenders allow 50%)
- Property Location: Must be in Gwinnett County, GA
- Primary Residence: FHA loans are for primary residences only
Popular Cities in Gwinnett County
These FHA and conforming loan limits apply to all cities within Gwinnett County, including:
Atlanta Metro Counties with Same Limits
These counties share the same FHA limits as Gwinnett ($546,250):
- Fulton County
- DeKalb County
- Cobb County
- Cherokee County
- Forsyth County
- Henry County
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Compare Rates Now →Frequently Asked Questions
What is the FHA loan limit for Gwinnett County in 2026?
The FHA loan limit for Gwinnett County, Georgia in 2026 is $546,250 for a single-family home. Gwinnett is part of the Atlanta-Sandy Springs-Roswell metro area, which has higher limits than the baseline.
What is the conforming loan limit for Gwinnett County in 2026?
The conforming loan limit for Gwinnett County in 2026 is $766,550 for a single-family home. This is the standard baseline limit set by FHFA.
Is Gwinnett County a high-cost area for FHA loans?
Gwinnett County has slightly elevated FHA limits at $546,250 due to being part of the Atlanta metropolitan statistical area (MSA). This is above the floor of $498,257 but below the ceiling of $1,149,825.
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Sarah Mitchell
Senior Mortgage Advisor & VA Loan Specialist
Senior Mortgage Advisor with 12+ years specializing in VA loans and first-time buyer programs.