Mobile County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 4.4 times the county's median home value of $190,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $58,880 (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) | $190,700 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 4.37× |
| Median household income | $58,880 |
| Median home value ÷ income | 3.2× |
| Population | 412,590 |
| Median property tax paid (owners) | $888 |
| Effective property tax rate (approx.) | 0.47% |
| Owner-occupied homes | 66.0% |
| Home value rank in Alabama | 15 of 67 counties |
| Neighbor: Baldwin County, AL | limit $832,750; median home $316,900 |
| Neighbor: Washington County, AL | limit $832,750; median home $159,700 |
| Neighbor: George County, MS | limit $832,750; median home $166,900 |
| Neighbor: Greene County, MS | limit $832,750; median home $92,700 |
| Neighbor: Jackson County, MS | limit $832,750; median home $193,100 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Mobile County's median home value is 9% below the state median of $209,900 (rank 15 of 67). Among its 5 neighboring counties, Baldwin County has the highest median home value ($316,900) and Greene County the lowest ($92,700); all share the same loan limit. Owners pay a median $888 a year in property tax, an effective rate of about 0.47% 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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- 2026 conforming loan limit: Moniteau County, MO
Last updated 2026-10-16. Data only, not financial or tax advice.