Houston County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 4.5 times the county's median home value of $183,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $58,626 (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) | $183,300 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 4.54× |
| Median household income | $58,626 |
| Median home value ÷ income | 3.1× |
| Population | 108,140 |
| Median property tax paid (owners) | $562 |
| Effective property tax rate (approx.) | 0.31% |
| Owner-occupied homes | 63.8% |
| Home value rank in Alabama | 17 of 67 counties |
| Neighbor: Dale County, AL | limit $832,750; median home $143,500 |
| Neighbor: Geneva County, AL | limit $832,750; median home $130,700 |
| Neighbor: Henry County, AL | limit $832,750; median home $161,000 |
| Neighbor: Jackson County, FL | limit $832,750; median home $120,800 |
| Neighbor: Early County, GA | limit $832,750; median home $131,300 |
| Neighbor: Seminole County, GA | limit $832,750; median home $121,900 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Houston County's median home value is 13% below the state median of $209,900 (rank 17 of 67). Among its 6 neighboring counties, Henry County has the highest median home value ($161,000) and Jackson County the lowest ($120,800); all share the same loan limit. Owners pay a median $562 a year in property tax, an effective rate of about 0.31% 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: Hot Spring County, AR
- 2026 conforming loan limit: Hot Springs County, WY
- 2026 conforming loan limit: Houghton County, MI
- 2026 conforming loan limit: Houston County, GA
- 2026 conforming loan limit: Houston County, MN
- 2026 conforming loan limit: Houston County, TN
- 2026 conforming loan limit: Houston County, TX
- 2026 conforming loan limit: Howard County, AR
Last updated 2026-10-16. Data only, not financial or tax advice.