Dekalb 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 $152,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $51,204 (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) | $152,700 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 5.45× |
| Median household income | $51,204 |
| Median home value ÷ income | 3.0× |
| Population | 72,269 |
| Median property tax paid (owners) | $496 |
| Effective property tax rate (approx.) | 0.32% |
| Owner-occupied homes | 78.3% |
| Home value rank in Alabama | 35 of 67 counties |
| Neighbor: Cherokee County, AL | limit $832,750; median home $179,700 |
| Neighbor: Etowah County, AL | limit $832,750; median home $167,100 |
| Neighbor: Jackson County, AL | limit $832,750; median home $159,500 |
| Neighbor: Marshall County, AL | limit $832,750; median home $201,500 |
| Neighbor: Chattooga County, GA | limit $832,750; median home $115,600 |
| Neighbor: Dade County, GA | limit $832,750; median home $198,500 |
| Neighbor: Walker County, GA | limit $832,750; median home $197,100 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Dekalb County's median home value is 27% below the state median of $209,900 (rank 35 of 67). Among its 7 neighboring counties, Marshall County has the highest median home value ($201,500) and Chattooga County the lowest ($115,600); all share the same loan limit. Owners pay a median $496 a year in property tax, an effective rate of about 0.32% 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: Decatur County, TN
- 2026 conforming loan limit: Deer Lodge County, MT
- 2026 conforming loan limit: Defiance County, OH
- 2026 conforming loan limit: Dekalb County, GA
- 2026 conforming loan limit: Dekalb County, IL
- 2026 conforming loan limit: Dekalb County, IN
- 2026 conforming loan limit: Dekalb County, MO
- 2026 conforming loan limit: Dekalb County, TN
Last updated 2026-10-16. Data only, not financial or tax advice.