Baldwin County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 2.6 times the county's median home value of $316,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $78,775 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $316,900 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 2.63× |
| Median household income | $78,775 |
| Median home value ÷ income | 4.0× |
| Population | 246,989 |
| Median property tax paid (owners) | $960 |
| Effective property tax rate (approx.) | 0.30% |
| Owner-occupied homes | 77.6% |
| Home value rank in Alabama | 2 of 67 counties |
| Neighbor: Clarke County, AL | limit $832,750; median home $121,700 |
| Neighbor: Escambia County, AL | limit $832,750; median home $136,500 |
| Neighbor: Mobile County, AL | limit $832,750; median home $190,700 |
| Neighbor: Monroe County, AL | limit $832,750; median home $120,600 |
| Neighbor: Washington County, AL | limit $832,750; median home $159,700 |
| Neighbor: Escambia County, FL | limit $832,750; median home $257,200 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Baldwin County's median home value is 51% above the state median of $209,900 (rank 2 of 67). Among its 6 neighboring counties, Escambia County has the highest median home value ($257,200) and Monroe County the lowest ($120,600); all share the same loan limit. Owners pay a median $960 a year in property tax, an effective rate of about 0.30% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Baker County, FL
- 2026 conforming loan limit: Baker County, GA
- 2026 conforming loan limit: Baker County, OR
- 2026 conforming loan limit: Baldwin County, GA
- 2026 conforming loan limit: Ballard County, KY
- 2026 conforming loan limit: Baltimore City, MD
- 2026 conforming loan limit: Baltimore County, MD
- 2026 conforming loan limit: Bamberg County, SC
Last updated 2026-10-16. Data only, not financial or tax advice.