GA mortgage rates

Clarke County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Clarke County, Georgia. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Clarke County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$616,400
2 units$789,100
3 units$953,850
4 units$1,185,400

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Clarke County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Clarke

A local view of the market.

Clarke County, GA, has a thriving real estate market, with median home values around $375,000 in 2024. Known for the University of Georgia, it has a vibrant college-town atmosphere and appeals to students, families, and professionals. Athens, with a population of approximately 127,000, offers a mix of historic charm, cultural events, and an active nightlife scene. Clarke County provides an urban lifestyle with an economy centered on education, healthcare, and retail. Its college-town vibe, diverse culture, and range of amenities make it attractive to a wide range of residents, including students and young professionals.

County snapshot

Market context.

GA

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaAthens-Clarke CountyMapped market area
Area code12020CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Clarke County

Common questions about 2026 loan limits and refinancing opportunities in Georgia.

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