What are the loan limits in each Alabama county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Autauga County | $832,750 | $541,287 | $693,050 | $197,900 |
| Baldwin County | $832,750 | $541,287 | $693,050 | $287,000 |
| Barbour County | $832,750 | $541,287 | $693,050 | $109,900 |
| Bibb County | $832,750 | $541,287 | $693,050 | $132,600 |
| Blount County | $832,750 | $541,287 | $693,050 | $169,700 |
| Bullock County | $832,750 | $541,287 | $693,050 | $79,400 |
| Butler County | $832,750 | $541,287 | $693,050 | $99,700 |
| Calhoun County | $832,750 | $541,287 | $693,050 | $149,500 |
| Chambers County | $832,750 | $541,287 | $693,050 | $129,700 |
| Cherokee County | $832,750 | $541,287 | $693,050 | $165,900 |
| Chilton County | $832,750 | $541,287 | $693,050 | $142,300 |
| Choctaw County | $832,750 | $541,287 | $693,050 | $111,800 |
| Clarke County | $832,750 | $541,287 | $693,050 | $126,400 |
| Clay County | $832,750 | $541,287 | $693,050 | $144,700 |
| Cleburne County | $832,750 | $541,287 | $693,050 | $144,200 |
| Coffee County | $832,750 | $541,287 | $693,050 | $180,300 |
| Colbert County | $832,750 | $541,287 | $693,050 | $161,600 |
| Conecuh County | $832,750 | $541,287 | $693,050 | $101,300 |
| Coosa County | $832,750 | $541,287 | $693,050 | $111,800 |
| Covington County | $832,750 | $541,287 | $693,050 | $142,500 |
| Crenshaw County | $832,750 | $541,287 | $693,050 | $108,400 |
| Cullman County | $832,750 | $541,287 | $693,050 | $180,500 |
| Dale County | $832,750 | $541,287 | $693,050 | $129,100 |
| Dallas County | $832,750 | $541,287 | $693,050 | $97,400 |
| DeKalb County | $832,750 | $541,287 | $693,050 | $135,500 |
| Elmore County | $832,750 | $541,287 | $693,050 | $213,600 |
| Escambia County | $832,750 | $541,287 | $693,050 | $122,700 |
| Etowah County | $832,750 | $541,287 | $693,050 | $160,600 |
| Fayette County | $832,750 | $541,287 | $693,050 | $121,200 |
| Franklin County | $832,750 | $541,287 | $693,050 | $128,000 |
| Geneva County | $832,750 | $541,287 | $693,050 | $120,200 |
| Greene County | $832,750 | $541,287 | $693,050 | $86,400 |
| Hale County | $832,750 | $541,287 | $693,050 | $126,300 |
| Henry County | $832,750 | $541,287 | $693,050 | $147,800 |
| Houston County | $832,750 | $541,287 | $693,050 | $178,000 |
| Jackson County | $832,750 | $541,287 | $693,050 | $145,800 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $224,900 |
| Lamar County | $832,750 | $541,287 | $693,050 | $112,700 |
| Lauderdale County | $832,750 | $541,287 | $693,050 | $185,800 |
| Lawrence County | $832,750 | $541,287 | $693,050 | $150,700 |
| Lee County | $832,750 | $541,287 | $693,050 | $238,700 |
| Limestone County | $832,750 | $541,287 | $693,050 | $255,100 |
| Lowndes County | $832,750 | $541,287 | $693,050 | $80,600 |
| Macon County | $832,750 | $541,287 | $693,050 | $95,700 |
| Madison County | $832,750 | $541,287 | $693,050 | $267,800 |
| Marengo County | $832,750 | $541,287 | $693,050 | $103,400 |
| Marion County | $832,750 | $541,287 | $693,050 | $104,300 |
| Marshall County | $832,750 | $541,287 | $693,050 | $183,400 |
| Mobile County | $832,750 | $541,287 | $693,050 | $176,600 |
| Monroe County | $832,750 | $541,287 | $693,050 | $114,900 |
| Montgomery County | $832,750 | $541,287 | $693,050 | $160,100 |
| Morgan County | $832,750 | $541,287 | $693,050 | $193,000 |
| Perry County | $832,750 | $541,287 | $693,050 | $87,700 |
| Pickens County | $832,750 | $541,287 | $693,050 | $123,300 |
| Pike County | $832,750 | $541,287 | $693,050 | $149,000 |
| Randolph County | $832,750 | $541,287 | $693,050 | $184,000 |
| Russell County | $832,750 | $541,287 | $693,050 | $152,300 |
| Shelby County | $832,750 | $541,287 | $693,050 | $298,700 |
| St. Clair County | $832,750 | $541,287 | $693,050 | $218,500 |
| Sumter County | $832,750 | $541,287 | $693,050 | $84,100 |
| Talladega County | $832,750 | $541,287 | $693,050 | $137,900 |
| Tallapoosa County | $832,750 | $541,287 | $693,050 | $144,800 |
| Tuscaloosa County | $832,750 | $541,287 | $693,050 | $233,700 |
| Walker County | $832,750 | $541,287 | $693,050 | $131,100 |
| Washington County | $832,750 | $541,287 | $693,050 | $152,800 |
| Wilcox County | $832,750 | $541,287 | $693,050 | $84,200 |
| Winston County | $832,750 | $541,287 | $693,050 | $110,500 |
Which Alabama counties are high-cost areas?
No Alabama county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Alabama
Frequently asked questions
FHA one-unit limits in Alabama start at $541,287. In Jefferson County, the most populous county, it's $541,287.
The 2026 one-unit conforming limit in Jefferson County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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