Etowah County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 5.0 times the county's median home value of $167,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $54,563 (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) | $167,100 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 4.98× |
| Median household income | $54,563 |
| Median home value ÷ income | 3.1× |
| Population | 103,105 |
| Median property tax paid (owners) | $645 |
| Effective property tax rate (approx.) | 0.39% |
| Owner-occupied homes | 73.9% |
| Home value rank in Alabama | 24 of 67 counties |
| Neighbor: Blount County, AL | limit $832,750; median home $175,200 |
| Neighbor: Calhoun County, AL | limit $832,750; median home $156,600 |
| Neighbor: Cherokee County, AL | limit $832,750; median home $179,700 |
| Neighbor: Dekalb County, AL | limit $832,750; median home $152,700 |
| Neighbor: Marshall County, AL | limit $832,750; median home $201,500 |
| Neighbor: St. Clair County, AL | limit $832,750; median home $226,300 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Etowah County's median home value is 20% below the state median of $209,900 (rank 24 of 67). Among its 6 neighboring counties, St. Clair County has the highest median home value ($226,300) and Dekalb County the lowest ($152,700); all share the same loan limit. Owners pay a median $645 a year in property tax, an effective rate of about 0.39% 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: Essex County, VA
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- 2026 conforming loan limit: Estill County, KY
- 2026 conforming loan limit: Eureka County, NV
- 2026 conforming loan limit: Evangeline Parish, LA
- 2026 conforming loan limit: Evans County, GA
- 2026 conforming loan limit: Fairbanks North Star Borough, AK
- 2026 conforming loan limit: Fairfax City, VA
Last updated 2026-10-16. Data only, not financial or tax advice.