Lauderdale County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 4.2 times the county's median home value of $200,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $62,649 (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) | $200,300 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 4.16× |
| Median household income | $62,649 |
| Median home value ÷ income | 3.2× |
| Population | 95,830 |
| Median property tax paid (owners) | $757 |
| Effective property tax rate (approx.) | 0.38% |
| Owner-occupied homes | 68.9% |
| Home value rank in Alabama | 13 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: Limestone County, AL | limit $832,750; median home $281,000 |
| Neighbor: Tishomingo County, MS | limit $832,750; median home $145,100 |
| Neighbor: Giles County, TN | limit $832,750; median home $234,300 |
| Neighbor: Hardin County, TN | limit $832,750; median home $160,400 |
| Neighbor: Lawrence County, TN | limit $832,750; median home $194,400 |
| Neighbor: Wayne County, TN | limit $832,750; median home $130,700 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Lauderdale County's median home value is 5% below the state median of $209,900 (rank 13 of 67). Among its 8 neighboring counties, Limestone County has the highest median home value ($281,000) and Wayne County the lowest ($130,700); all share the same loan limit. Owners pay a median $757 a year in property tax, an effective rate of about 0.38% 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
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Last updated Oct 16, 2026, 10:36 PM ET. Data only, not financial or tax advice.
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