2026 conforming loan limits
2026 conforming loan limits in Alabama
Alabama has 67 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for Alabama is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $832,750.
Baseline
67
Special statutory baseline
0
High-cost area
0
Every county/equivalent in Alabama
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Autauga County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Baldwin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Barbour County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bibb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Blount County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bullock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Butler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Chambers County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cherokee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Chilton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Choctaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clarke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cleburne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Coffee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Colbert County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Conecuh County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Coosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Covington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Crenshaw County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cullman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dallas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dekalb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Elmore County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Escambia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Etowah County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Fayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Geneva County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Henry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Houston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lamar County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lauderdale County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lawrence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Limestone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lowndes County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Macon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marengo County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mobile County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Perry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pickens County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pike County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Randolph County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Russell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Shelby County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| St. Clair County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sumter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Talladega County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Tallapoosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Tuscaloosa County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Walker County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wilcox County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Winston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to Alabama (AL).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for Alabama: 67. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
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