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2026 Alabama loan limits by county
Alabama has 67 counties in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in Winston County; the state median is $832,750. 0 of 67 are above the $832,750 national baseline. 67 sit at the 2026 FHA floor of $541,287.
- 67Counties listed
- $832,750Highest 1-unit conformingWinston County
- $832,750Median 1-unit conforming
- 67At FHA floorof 67
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Autauga County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Baldwin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Barbour County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bibb County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Blount County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bullock County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Butler County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Calhoun County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chambers County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cherokee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Chilton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Choctaw County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clarke County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clay County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cleburne County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Coffee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Colbert County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Conecuh County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Coosa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Covington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Crenshaw County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cullman County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dale County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Dallas County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| DeKalb County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Elmore County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Escambia County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Etowah County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fayette County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Franklin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Geneva County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Greene County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hale County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Henry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Houston County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jackson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jefferson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lamar County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lauderdale County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lawrence County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Limestone County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lowndes County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Macon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Madison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marengo County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marion County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marshall County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mobile County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Monroe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Montgomery County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Morgan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Perry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pickens County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pike County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Randolph County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Russell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Shelby County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| St. Clair County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sumter County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Talladega County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tallapoosa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tuscaloosa County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Walker County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wilcox County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Winston County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.