Jefferson County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 3.5 times the county's median home value of $240,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,388 (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) | $240,000 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 3.47× |
| Median household income | $66,388 |
| Median home value ÷ income | 3.6× |
| Population | 667,755 |
| Median property tax paid (owners) | $1,409 |
| Effective property tax rate (approx.) | 0.59% |
| Owner-occupied homes | 63.9% |
| Home value rank in Alabama | 7 of 67 counties |
| Neighbor: Bibb County, AL | limit $832,750; median home $145,700 |
| Neighbor: Blount County, AL | limit $832,750; median home $175,200 |
| Neighbor: St. Clair County, AL | limit $832,750; median home $226,300 |
| Neighbor: Shelby County, AL | limit $832,750; median home $326,100 |
| Neighbor: Tuscaloosa County, AL | limit $832,750; median home $248,700 |
| Neighbor: Walker County, AL | limit $832,750; median home $135,900 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Jefferson County's median home value is 14% above the state median of $209,900 (rank 7 of 67). Among its 6 neighboring counties, Shelby County has the highest median home value ($326,100) and Walker County the lowest ($135,900); all share the same loan limit. Owners pay a median $1,409 a year in property tax, an effective rate of about 0.59% 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: Jayuya Municipio, PR
- 2026 conforming loan limit: Jeff Davis County, GA
- 2026 conforming loan limit: Jeff Davis County, TX
- 2026 conforming loan limit: Jefferson County, AR
- 2026 conforming loan limit: Jefferson County, CO
- 2026 conforming loan limit: Jefferson County, FL
- 2026 conforming loan limit: Jefferson County, GA
- 2026 conforming loan limit: Jefferson County, IA
Last updated 2026-10-16. Data only, not financial or tax advice.