Alabama Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 67 counties in Alabama. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
2026 Loan Limits by County in Alabama
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Autauga County | $541,287 | $832,750 | $207,200 |
| 2 | Baldwin County | $541,287 | $832,750 | $316,900 |
| 3 | Barbour County | $541,287 | $832,750 | $112,900 |
| 4 | Bibb County | $541,287 | $832,750 | $145,700 |
| 5 | Blount County | $541,287 | $832,750 | $175,200 |
| 6 | Bullock County | $541,287 | $832,750 | $81,700 |
| 7 | Butler County | $541,287 | $832,750 | $99,800 |
| 8 | Calhoun County | $541,287 | $832,750 | $156,600 |
| 9 | Chambers County | $541,287 | $832,750 | $135,800 |
| 10 | Cherokee County | $541,287 | $832,750 | $179,700 |
| 11 | Chilton County | $541,287 | $832,750 | $161,300 |
| 12 | Choctaw County | $541,287 | $832,750 | $123,400 |
| 13 | Clarke County | $541,287 | $832,750 | $121,700 |
| 14 | Clay County | $541,287 | $832,750 | $156,700 |
| 15 | Cleburne County | $541,287 | $832,750 | $165,600 |
| 16 | Coffee County | $541,287 | $832,750 | $188,600 |
| 17 | Colbert County | $541,287 | $832,750 | $171,000 |
| 18 | Conecuh County | $541,287 | $832,750 | $105,300 |
| 19 | Coosa County | $541,287 | $832,750 | $115,500 |
| 20 | Covington County | $541,287 | $832,750 | $152,100 |
| 21 | Crenshaw County | $541,287 | $832,750 | $114,000 |
| 22 | Cullman County | $541,287 | $832,750 | $199,100 |
| 23 | Dale County | $541,287 | $832,750 | $143,500 |
| 24 | Dallas County | $541,287 | $832,750 | $94,600 |
| 25 | DeKalb County | $541,287 | $832,750 | $152,700 |
| 26 | Elmore County | $541,287 | $832,750 | $223,900 |
| 27 | Escambia County | $541,287 | $832,750 | $136,500 |
| 28 | Etowah County | $541,287 | $832,750 | $167,100 |
| 29 | Fayette County | $541,287 | $832,750 | $125,900 |
| 30 | Franklin County | $541,287 | $832,750 | $136,000 |
| 31 | Geneva County | $541,287 | $832,750 | $130,700 |
| 32 | Greene County | $541,287 | $832,750 | $81,200 |
| 33 | Hale County | $541,287 | $832,750 | $127,600 |
| 34 | Henry County | $541,287 | $832,750 | $161,000 |
| 35 | Houston County | $541,287 | $832,750 | $183,300 |
| 36 | Jackson County | $541,287 | $832,750 | $159,500 |
| 37 | Jefferson County | $541,287 | $832,750 | $240,000 |
| 38 | Lamar County | $541,287 | $832,750 | $114,000 |
| 39 | Lauderdale County | $541,287 | $832,750 | $200,300 |
| 40 | Lawrence County | $541,287 | $832,750 | $172,300 |
| 41 | Lee County | $541,287 | $832,750 | $262,200 |
| 42 | Limestone County | $541,287 | $832,750 | $281,000 |
| 43 | Lowndes County | $541,287 | $832,750 | $86,300 |
| 44 | Macon County | $541,287 | $832,750 | $102,000 |
| 45 | Madison County | $541,287 | $832,750 | $299,200 |
| 46 | Marengo County | $541,287 | $832,750 | $107,400 |
| 47 | Marion County | $541,287 | $832,750 | $106,600 |
| 48 | Marshall County | $541,287 | $832,750 | $201,500 |
| 49 | Mobile County | $541,287 | $832,750 | $190,700 |
| 50 | Monroe County | $541,287 | $832,750 | $120,600 |
| 51 | Montgomery County | $541,287 | $832,750 | $171,900 |
| 52 | Morgan County | $541,287 | $832,750 | $212,000 |
| 53 | Perry County | $541,287 | $832,750 | $86,400 |
| 54 | Pickens County | $541,287 | $832,750 | $123,900 |
| 55 | Pike County | $541,287 | $832,750 | $157,600 |
| 56 | Randolph County | $541,287 | $832,750 | $181,600 |
| 57 | Russell County | $541,287 | $832,750 | $165,700 |
| 58 | Shelby County | $541,287 | $832,750 | $326,100 |
| 59 | St. Clair County | $541,287 | $832,750 | $226,300 |
| 60 | Sumter County | $541,287 | $832,750 | $82,600 |
| 61 | Talladega County | $541,287 | $832,750 | $149,200 |
| 62 | Tallapoosa County | $541,287 | $832,750 | $158,500 |
| 63 | Tuscaloosa County | $541,287 | $832,750 | $248,700 |
| 64 | Walker County | $541,287 | $832,750 | $135,900 |
| 65 | Washington County | $541,287 | $832,750 | $159,700 |
| 66 | Wilcox County | $541,287 | $832,750 | $98,800 |
| 67 | Winston County | $541,287 | $832,750 | $118,900 |
About Alabama's Mortgage Market
Alabama has 67 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Alabama range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using Alabama-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Alabama?
The highest 2026 FHA limit in Alabama is $541,287 for a single-family home.
What is the maximum conforming loan limit in Alabama?
The highest 2026 conforming loan limit in Alabama is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Alabama?
Alabama has 67 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.