Alabama loan limits 2026 by county
In 2026, every one of the 67 counties in Alabama has the $832,750 baseline conforming loan limit for a one-unit home. Every Alabama county has the $541,287 FHA floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Alabama county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Autauga County | $832,750 | $541,287 | Montgomery, AL |
| Baldwin County | $832,750 | $541,287 | Daphne-Fairhope-Foley, AL |
| Barbour County | $832,750 | $541,287 | Eufaula, AL-GA |
| Bibb County | $832,750 | $541,287 | Birmingham, AL |
| Blount County | $832,750 | $541,287 | Birmingham, AL |
| Bullock County | $832,750 | $541,287 | Non-Metro |
| Butler County | $832,750 | $541,287 | Non-Metro |
| Calhoun County | $832,750 | $541,287 | Anniston-Oxford, AL |
| Chambers County | $832,750 | $541,287 | Lagrange, GA-AL |
| Cherokee County | $832,750 | $541,287 | Non-Metro |
| Chilton County | $832,750 | $541,287 | Birmingham, AL |
| Choctaw County | $832,750 | $541,287 | Non-Metro |
| Clarke County | $832,750 | $541,287 | Non-Metro |
| Clay County | $832,750 | $541,287 | Non-Metro |
| Cleburne County | $832,750 | $541,287 | Non-Metro |
| Coffee County | $832,750 | $541,287 | Enterprise, AL |
| Colbert County | $832,750 | $541,287 | Florence-Muscle Shoals, AL |
| Conecuh County | $832,750 | $541,287 | Non-Metro |
| Coosa County | $832,750 | $541,287 | Talladega-Sylacauga, AL |
| Covington County | $832,750 | $541,287 | Non-Metro |
| Crenshaw County | $832,750 | $541,287 | Non-Metro |
| Cullman County | $832,750 | $541,287 | Cullman, AL |
| Dale County | $832,750 | $541,287 | Ozark, AL |
| Dallas County | $832,750 | $541,287 | Selma, AL |
| DeKalb County | $832,750 | $541,287 | Fort Payne, AL |
| Elmore County | $832,750 | $541,287 | Montgomery, AL |
| Escambia County | $832,750 | $541,287 | Non-Metro |
| Etowah County | $832,750 | $541,287 | Gadsden, AL |
| Fayette County | $832,750 | $541,287 | Non-Metro |
| Franklin County | $832,750 | $541,287 | Russellville, AL |
| Geneva County | $832,750 | $541,287 | Dothan, AL |
| Greene County | $832,750 | $541,287 | Tuscaloosa, AL |
| Hale County | $832,750 | $541,287 | Tuscaloosa, AL |
| Henry County | $832,750 | $541,287 | Dothan, AL |
| Houston County | $832,750 | $541,287 | Dothan, AL |
| Jackson County | $832,750 | $541,287 | Scottsboro, AL |
| Jefferson County | $832,750 | $541,287 | Birmingham, AL |
| Lamar County | $832,750 | $541,287 | Non-Metro |
| Lauderdale County | $832,750 | $541,287 | Florence-Muscle Shoals, AL |
| Lawrence County | $832,750 | $541,287 | Decatur, AL |
| Lee County | $832,750 | $541,287 | Auburn-Opelika, AL |
| Limestone County | $832,750 | $541,287 | Huntsville, AL |
| Lowndes County | $832,750 | $541,287 | Montgomery, AL |
| Macon County | $832,750 | $541,287 | Auburn-Opelika, AL |
| Madison County | $832,750 | $541,287 | Huntsville, AL |
| Marengo County | $832,750 | $541,287 | Non-Metro |
| Marion County | $832,750 | $541,287 | Non-Metro |
| Marshall County | $832,750 | $541,287 | Albertville, AL |
| Mobile County | $832,750 | $541,287 | Mobile, AL |
| Monroe County | $832,750 | $541,287 | Non-Metro |
| Montgomery County | $832,750 | $541,287 | Montgomery, AL |
| Morgan County | $832,750 | $541,287 | Decatur, AL |
| Perry County | $832,750 | $541,287 | Non-Metro |
| Pickens County | $832,750 | $541,287 | Tuscaloosa, AL |
| Pike County | $832,750 | $541,287 | Troy, AL |
| Randolph County | $832,750 | $541,287 | Non-Metro |
| Russell County | $832,750 | $541,287 | Columbus, GA-AL |
| Shelby County | $832,750 | $541,287 | Birmingham, AL |
| St. Clair County | $832,750 | $541,287 | Birmingham, AL |
| Sumter County | $832,750 | $541,287 | Non-Metro |
| Talladega County | $832,750 | $541,287 | Talladega-Sylacauga, AL |
| Tallapoosa County | $832,750 | $541,287 | Alexander City, AL |
| Tuscaloosa County | $832,750 | $541,287 | Tuscaloosa, AL |
| Walker County | $832,750 | $541,287 | Birmingham, AL |
| Washington County | $832,750 | $541,287 | Non-Metro |
| Wilcox County | $832,750 | $541,287 | Non-Metro |
| Winston County | $832,750 | $541,287 | Non-Metro |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
FHA, VA and conforming limits in Alabama
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Alabama fair market rentsHUD Fair Market Rents for every Alabama county, studios to 4 bedrooms.
- Alabama property tax ratesEffective property tax rate for every Alabama county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Alabama loan limits
What are the FHA loan limits in Alabama for 2026?
$541,287 to $541,287 for a one-unit home, depending on the county. Every county is at the national floor of $541,287. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Alabama for 2026?
$832,750 for a one-unit home in every Alabama county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Alabama?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Alabama for 2026: 25 percent of that limit minus the entitlement already used.
Which Alabama counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Autauga County at $541,287. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/alabama. Not lending advice.