Georgia Dream limits
Georgia Dream income and purchase price limits
Georgia uses three tiers: the 24-county Atlanta metro area, the 5-county Athens area and the rest of the state. These limits apply to loans reserved or received on or after July 8, 2026.
Income means total household income for every adult who lives in the home, not just the people on the loan. There are two columns: one for households of 1 or 2 people and one for 3 or more.
Price means the acquisition cost of the home. In metro Atlanta (Barrow, Bartow, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Heard, Henry, Jasper, Newton, Paulding, Pickens, Pike, Rockdale, Spalding and Walton) the cap is $625,000. The Athens area (Clarke, Madison, Morgan, Oconee and Oglethorpe) is $525,000. Every other county is $475,000.
Over the limits? Peach Plus (FHA or VA) raises the price cap to $725,000 in metro Atlanta, $650,000 in Athens and $575,000 elsewhere, with metro Atlanta income up to $206,333 for 1-2 people and $237,282 for 3 or more. PEN under Peach Plus is 4% or $12,500, whichever is less.
| Where you buy | Income cap, household of 1 or 2 | Income cap, household of 3 or more | Highest price allowed |
|---|---|---|---|
| Atlanta-Sandy Springs-Roswell HUD Metro FMR Area (Barrow, Bartow, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Heard, Henry, Jasper, Newton, Paulding, Pickens, Pike, Rockdale, Spalding, Walton) | $137,555 | $158,188 | $625,000 |
| Athens MSA (Clarke, Madison, Morgan, Oconee, Oglethorpe) | $118,152 | $135,875 | $525,000 |
| All other Georgia counties | $101,700 | $116,955 | $475,000 |
Taken from Georgia Dream Homeownership Program Seller Guide, Revision 2026-7-8 (sections 304.2, 308.1, 403; Peach Plus 706-707), confirmed on DCA's Georgia Dream Loan Program page, in effect Loan applications reserved and/or received on or after July 8, 2026. These numbers get updated from time to time, so your lender will confirm the ones that apply to you.
