Madison County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 2.8 times the county's median home value of $299,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $86,499 (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) | $299,200 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 2.78× |
| Median household income | $86,499 |
| Median home value ÷ income | 3.5× |
| Population | 405,718 |
| Median property tax paid (owners) | $1,185 |
| Effective property tax rate (approx.) | 0.40% |
| Owner-occupied homes | 68.3% |
| Home value rank in Alabama | 3 of 67 counties |
| Neighbor: Jackson County, AL | limit $832,750; median home $159,500 |
| Neighbor: Limestone County, AL | limit $832,750; median home $281,000 |
| Neighbor: Marshall County, AL | limit $832,750; median home $201,500 |
| Neighbor: Morgan County, AL | limit $832,750; median home $212,000 |
| Neighbor: Franklin County, TN | limit $832,750; median home $236,900 |
| Neighbor: Lincoln County, TN | limit $832,750; median home $229,700 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Madison County's median home value is 43% above the state median of $209,900 (rank 3 of 67). Among its 6 neighboring counties, Limestone County has the highest median home value ($281,000) and Jackson County the lowest ($159,500); all share the same loan limit. Owners pay a median $1,185 a year in property tax, an effective rate of about 0.40% 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 2026-10-16. Data only, not financial or tax advice.
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