Clay County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 5.3 times the county's median home value of $156,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $55,250 (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) | $156,700 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 5.31× |
| Median household income | $55,250 |
| Median home value ÷ income | 2.8× |
| Population | 14,192 |
| Median property tax paid (owners) | $331 |
| Effective property tax rate (approx.) | 0.21% |
| Owner-occupied homes | 79.4% |
| Home value rank in Alabama | 33 of 67 counties |
| Neighbor: Cleburne County, AL | limit $832,750; median home $165,600 |
| Neighbor: Coosa County, AL | limit $832,750; median home $115,500 |
| Neighbor: Randolph County, AL | limit $832,750; median home $181,600 |
| Neighbor: Talladega County, AL | limit $832,750; median home $149,200 |
| Neighbor: Tallapoosa County, AL | limit $832,750; median home $158,500 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 25% below the state median of $209,900 (rank 33 of 67). Among its 5 neighboring counties, Randolph County has the highest median home value ($181,600) and Coosa County the lowest ($115,500); all share the same loan limit. Owners pay a median $331 a year in property tax, an effective rate of about 0.21% 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: Clarke County, MS
- 2026 conforming loan limit: Clarke County, VA
- 2026 conforming loan limit: Clatsop County, OR
- 2026 conforming loan limit: Clay County, AR
- 2026 conforming loan limit: Clay County, FL
- 2026 conforming loan limit: Clay County, GA
- 2026 conforming loan limit: Clay County, IA
- 2026 conforming loan limit: Clay County, IL
Last updated 2026-10-16. Data only, not financial or tax advice.