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Mortgage Loan Limits: Clayton County, Georgia

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Mortgage Loan Limits for Clayton County, Georgia

Conforming Loans
FHA Loans
Property Type
2024 Loan Limit
1-Unit Homes
$766,550
2-Unit Homes
$981,500
3-Unit Homes
$1,186,350
4-Unit Homes
$1,474,400
Source: Federal Housing Finance Agency; Federal Housing Administration

What’s On This Page

This interactive home buyer tool shows current conforming and FHA mortgage loan limits in the U.S., alongside charts that detail historical local loan limit changes from 1970 to present.

The mortgage loan limits information on this page is sourced from the Federal Housing Finance Agency (FHFA) and the Federal Housing Administration (FHA), and is verified for changes regularly.

As a helpful added resource, this page also contains local home buyer demographic data, provided by the Home Mortgage Disclosure Act.

Clayton County, Georgia, mortgage loan limits apply in:

Clayton County 2024 mortgage loan limits include the following cities: Bonanza, Conley, Forest Park, Irondale, Jonesboro, Lake City, Lovejoy, Morrow, Riverdale

What Is A Mortgage Loan Limit?

Mortgage loan limits are the upper boundaries for how much a home buyer can borrow on a mortgage. Loan limits vary by home type and county, with some counties receiving the high-cost areas designation.

The Federal Housing Finance Agency (FHFA) sets mortgage loan limits for conforming mortgages and the Federal Housing Administration (FHA) sets loan limits for FHA mortgages. In Clayton County, the 2024 conforming mortgage loan limit for a 1-unit home is $766,550. The 2024 FHA mortgage loan limit for a 1-unit home is $649,750.

Conforming and FHA mortgage loan limits change annually to reflect changes in local and national home values. Loans that exceed conforming loan limit sizes are commonly called jumbo mortgages. In 2024, there are no mortgage loan limits for VA loans or USDA loans.

What are Mortgage Loan Limits?
Video Length: 02:13

Mortgage Loan Limits Near Clayton County, Georgia

Get 2024 conforming and FHA mortgage loan limits for the areas surrounding Clayton County, Georgia. Local loan limits and county-level mortgage data updated regularly.

View Nearby Counties:

Mortgage Loan Limits
DeKalb County, Georgia
Mortgage Loan Limits
Fayette County, Georgia
Mortgage Loan Limits
Fulton County, Georgia
Mortgage Loan Limits
Henry County, Georgia
Mortgage Loan Limits
Spalding County, Georgia
Mortgage Loan Limits
National Data

Historical Charts: Mortgage Loan Limits in Clayton County, Georgia

Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Clayton County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.

Conforming Loans
FHA Loans

Mortgage Statistics from Clayton County, Georgia

Mortgage statistics for Clayton County for the most recently-available five-year period as sourced from the Home Mortgage Disclosure Act (HMDA) database and maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database stores detailed, anonymous loan data on a national basis and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.

Loan Type
Relative Share
Conventional
32.53%
FHA
55.80%
VA
11.66%
USDA
0.01%
Property Type
Relative Share
1-Unit Homes
99.48%
2-Unit Homes
0.46%
3-Unit Homes
0.04%
4-Unit Homes
0.02%
Borrower Status
Relative Share
One Borrower
16.77%
Two or More Borrowers
83.23%
Gender
Relative Share
Male
35.06%
Female
40.18%
Not Specified
24.77%
Race
Relative Share
American Indian / Alaska Native
0.26%
Asian
4.19%
Black / African American
79.75%
Native Hawaiian / Other Pacific Islander
0.19%
White
15.06%
Other
0.55%
Ethnicity
Relative Share
Hispanic or Latino
11.43%
Not Hispanic or Latino
87.59%
Clayton County data represents closed-end, first-lien purchase mortgages for residential properties, 1-4 units, for the 5-year period 2018-2022. Source: FFEIC Home Mortgage Disclosure Act

Mortgage Statistics Near Clayton County, Georgia

Get mortgage statistics for the areas surrounding Clayton County, Georgia.

Mortgage Statistics
DeKalb County, Georgia
Mortgage Statistics
Fayette County, Georgia
Mortgage Statistics
Fulton County, Georgia
Mortgage Statistics
Henry County, Georgia
Mortgage Statistics
Spalding County, Georgia
Mortgage Statistics
National Data

See National 2024 U.S. Mortgage Statistics

Pie chart illustration

See Today’s Mortgage Rates in Clayton County, Georgia

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