Chilton County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 5.2 times the county's median home value of $161,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $65,603 (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) | $161,300 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 5.16× |
| Median household income | $65,603 |
| Median home value ÷ income | 2.5× |
| Population | 45,992 |
| Median property tax paid (owners) | $537 |
| Effective property tax rate (approx.) | 0.33% |
| Owner-occupied homes | 76.9% |
| Home value rank in Alabama | 27 of 67 counties |
| Neighbor: Autauga County, AL | limit $832,750; median home $207,200 |
| Neighbor: Bibb County, AL | limit $832,750; median home $145,700 |
| Neighbor: Coosa County, AL | limit $832,750; median home $115,500 |
| Neighbor: Dallas County, AL | limit $832,750; median home $94,600 |
| Neighbor: Elmore County, AL | limit $832,750; median home $223,900 |
| Neighbor: Perry County, AL | limit $832,750; median home $86,400 |
| Neighbor: Shelby County, AL | limit $832,750; median home $326,100 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Chilton County's median home value is 23% below the state median of $209,900 (rank 27 of 67). Among its 7 neighboring counties, Shelby County has the highest median home value ($326,100) and Perry County the lowest ($86,400); all share the same loan limit. Owners pay a median $537 a year in property tax, an effective rate of about 0.33% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.
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