Monroe County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 6.9 times the county's median home value of $120,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $42,292 (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) | $120,600 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 6.91× |
| Median household income | $42,292 |
| Median home value ÷ income | 2.9× |
| Population | 19,388 |
| Median property tax paid (owners) | $381 |
| Effective property tax rate (approx.) | 0.32% |
| Owner-occupied homes | 71.7% |
| Home value rank in Alabama | 50 of 67 counties |
| Neighbor: Baldwin County, AL | limit $832,750; median home $316,900 |
| Neighbor: Butler County, AL | limit $832,750; median home $99,800 |
| Neighbor: Clarke County, AL | limit $832,750; median home $121,700 |
| Neighbor: Conecuh County, AL | limit $832,750; median home $105,300 |
| Neighbor: Escambia County, AL | limit $832,750; median home $136,500 |
| Neighbor: Wilcox County, AL | limit $832,750; median home $98,800 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Monroe County's median home value is 43% below the state median of $209,900 (rank 50 of 67). Among its 6 neighboring counties, Baldwin County has the highest median home value ($316,900) and Wilcox County the lowest ($98,800); all share the same loan limit. Owners pay a median $381 a year in property tax, an effective rate of about 0.32% 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: Monroe County, AR
- 2026 conforming loan limit: Monroe County, FL
- 2026 conforming loan limit: Monroe County, GA
- 2026 conforming loan limit: Monroe County, IA
- 2026 conforming loan limit: Monroe County, IL
Last updated 2026-10-16. Data only, not financial or tax advice.