Covington County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 5.5 times the county's median home value of $152,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $52,456 (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) | $152,100 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 5.48× |
| Median household income | $52,456 |
| Median home value ÷ income | 2.9× |
| Population | 37,628 |
| Median property tax paid (owners) | $397 |
| Effective property tax rate (approx.) | 0.26% |
| Owner-occupied homes | 76.3% |
| Home value rank in Alabama | 36 of 67 counties |
| Neighbor: Butler County, AL | limit $832,750; median home $99,800 |
| Neighbor: Coffee County, AL | limit $832,750; median home $188,600 |
| Neighbor: Conecuh County, AL | limit $832,750; median home $105,300 |
| Neighbor: Crenshaw County, AL | limit $832,750; median home $114,000 |
| Neighbor: Escambia County, AL | limit $832,750; median home $136,500 |
| Neighbor: Geneva County, AL | limit $832,750; median home $130,700 |
| Neighbor: Okaloosa County, FL | limit $832,750; median home $351,200 |
| Neighbor: Walton County, FL | limit $832,750; median home $425,100 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Covington County's median home value is 28% below the state median of $209,900 (rank 36 of 67). Among its 8 neighboring counties, Walton County has the highest median home value ($425,100) and Butler County the lowest ($99,800); all share the same loan limit. Owners pay a median $397 a year in property tax, an effective rate of about 0.26% 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: Cotton County, OK
- 2026 conforming loan limit: Cottonwood County, MN
- 2026 conforming loan limit: Covington City, VA
- 2026 conforming loan limit: Covington County, MS
- 2026 conforming loan limit: Coweta County, GA
- 2026 conforming loan limit: Cowley County, KS
- 2026 conforming loan limit: Cowlitz County, WA
- 2026 conforming loan limit: Craig County, OK
Last updated 2026-10-16. Data only, not financial or tax advice.