Georgia Housing Briefing

National Economy January 28, 2026 10:00 AM PST

Federal Reserve Holds Rates Steady in January 2026

The Federal Reserve left the fed funds rate range unchanged at its January meeting, maintaining rates as economic indicators remain mixed. Fed Chair Jerome Powell indicated the central bank will continue to monitor inflation and employment data before making future rate decisions.

🍑 Why it matters for Georgia:

For Georgia homebuyers and homeowners, this means mortgage rates will likely remain stable in the short term. Atlanta metro area buyers can expect continued rates in the 6-7% range, while refinancing opportunities remain limited unless rates drop further. Georgia's strong job market and population growth may keep local housing demand high despite elevated rates.

National Economy January 25, 2026 8:00 AM PST

Conventional Loan Limits Rise to $832,750 for 2026

The Federal Housing Finance Agency (FHFA) raised conforming loan limits by 3.26% for 2026, setting the new baseline at $832,750 in most parts of the United States. High-cost areas can go up to $2.4 million. This marks the third consecutive year of significant increases to loan limits as home prices continue climbing nationwide.

🍑 Why it matters for Georgia:

While Georgia is not considered a high-cost market, this increase benefits buyers in expensive Atlanta neighborhoods like Buckhead, Brookhaven, and Virginia-Highland, where home prices routinely exceed $700,000. Previously, buyers above the old limit faced jumbo loan requirements (higher rates, stricter qualifications). Now, more Georgia buyers can access conventional financing with lower down payments and better terms, especially in the state's most competitive luxury markets.

Georgia Housing Briefing

Federal Reserve Holds Rates Steady in January 2026

Conventional Loan Limits Rise to $832,750 for 2026

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