Cherokee County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 4.6 times the county's median home value of $179,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $53,863 (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) | $179,700 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 4.63× |
| Median household income | $53,863 |
| Median home value ÷ income | 3.3× |
| Population | 25,443 |
| Median property tax paid (owners) | $688 |
| Effective property tax rate (approx.) | 0.38% |
| Owner-occupied homes | 81.1% |
| Home value rank in Alabama | 19 of 67 counties |
| Neighbor: Calhoun County, AL | limit $832,750; median home $156,600 |
| Neighbor: Cleburne County, AL | limit $832,750; median home $165,600 |
| Neighbor: Dekalb County, AL | limit $832,750; median home $152,700 |
| Neighbor: Etowah County, AL | limit $832,750; median home $167,100 |
| Neighbor: Chattooga County, GA | limit $832,750; median home $115,600 |
| Neighbor: Floyd County, GA | limit $832,750; median home $217,900 |
| Neighbor: Polk County, GA | limit $832,750; median home $187,600 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cherokee County's median home value is 14% below the state median of $209,900 (rank 19 of 67). Among its 7 neighboring counties, Floyd County has the highest median home value ($217,900) and Chattooga County the lowest ($115,600); all share the same loan limit. Owners pay a median $688 a year in property tax, an effective rate of about 0.38% 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: Chelan County, WA
- 2026 conforming loan limit: Chemung County, NY
- 2026 conforming loan limit: Chenango County, NY
- 2026 conforming loan limit: Cherokee County, GA
- 2026 conforming loan limit: Cherokee County, IA
- 2026 conforming loan limit: Cherokee County, KS
- 2026 conforming loan limit: Cherokee County, NC
- 2026 conforming loan limit: Cherokee County, OK
Last updated 2026-10-16. Data only, not financial or tax advice.