Savannah, Georgia
Your complete mortgage and home buying guide for Savannah.
Market Overview
Savannah blends Southern charm with coastal living. The Historic District features stunning antebellum architecture, while surrounding areas offer modern subdivisions and waterfront properties. Tourism drives the economy alongside the Port of Savannah, one of the busiest in the U.S., and a growing tech/creative sector.
Current Market Conditions
Savannah's market has seen accelerated growth driven by remote workers and retirees attracted to the low cost of living and quality of life. The Historic District commands premium prices, while suburban areas like Pooler and Richmond Hill offer more affordable options with new construction.
2026 Loan Limits
Conforming Loan Limit
$832,750
Single-family, 1 unit
FHA Loan Limit
$541,287
Single-family, 1 unit (county limit)
Neighborhood Guide
Historic District
Iconic squares, cobblestone streets, and restored townhomes. Expect $400K-$1M+ for quality properties.
Ardsley Park/Chatham Crescent
Tree-lined streets with 1920s bungalows and colonials. Family-friendly with good schools. Median around $375K.
Pooler
Fast-growing suburb with new construction and family amenities. Homes from $250K-$400K.
Tybee Island
Beach community 20 minutes from downtown. Mix of vacation rentals and primary residences. Median around $500K.
Tips for Buyers
- 1Historic homes may need specialized inspections for foundation and moisture issues.
- 2Flood insurance is required in many coastal areas -- factor this into your budget.
- 3Savannah has a Homestead Exemption that can save homeowners on property taxes.
- 4Look into USDA loans for properties in surrounding counties.
Next Steps
Line up your financing before you tour homes in Savannah.