Franklin County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 6.1 times the county's median home value of $136,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $53,338 (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) | $136,000 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 6.12× |
| Median household income | $53,338 |
| Median home value ÷ income | 2.5× |
| Population | 31,966 |
| Median property tax paid (owners) | $433 |
| Effective property tax rate (approx.) | 0.32% |
| Owner-occupied homes | 72.4% |
| Home value rank in Alabama | 41 of 67 counties |
| Neighbor: Colbert County, AL | limit $832,750; median home $171,000 |
| Neighbor: Lawrence County, AL | limit $832,750; median home $172,300 |
| Neighbor: Marion County, AL | limit $832,750; median home $106,600 |
| Neighbor: Winston County, AL | limit $832,750; median home $118,900 |
| Neighbor: Itawamba County, MS | limit $832,750; median home $142,400 |
| Neighbor: Tishomingo County, MS | limit $832,750; median home $145,100 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Franklin County's median home value is 35% below the state median of $209,900 (rank 41 of 67). Among its 6 neighboring counties, Lawrence County has the highest median home value ($172,300) and Marion County the lowest ($106,600); all share the same loan limit. Owners pay a median $433 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: Foster County, ND
- 2026 conforming loan limit: Fountain County, IN
- 2026 conforming loan limit: Franklin City, VA
- 2026 conforming loan limit: Franklin County, AR
- 2026 conforming loan limit: Franklin County, FL
- 2026 conforming loan limit: Franklin County, GA
- 2026 conforming loan limit: Franklin County, IA
- 2026 conforming loan limit: Franklin County, ID
Last updated 2026-10-16. Data only, not financial or tax advice.