Shelby County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 2.6 times the county's median home value of $326,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $97,961 (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) | $326,100 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 2.55× |
| Median household income | $97,961 |
| Median home value ÷ income | 3.3× |
| Population | 230,211 |
| Median property tax paid (owners) | $1,423 |
| Effective property tax rate (approx.) | 0.44% |
| Owner-occupied homes | 81.4% |
| Home value rank in Alabama | 1 of 67 counties |
| Neighbor: Bibb County, AL | limit $832,750; median home $145,700 |
| Neighbor: Chilton County, AL | limit $832,750; median home $161,300 |
| Neighbor: Coosa County, AL | limit $832,750; median home $115,500 |
| Neighbor: Jefferson County, AL | limit $832,750; median home $240,000 |
| Neighbor: St. Clair County, AL | limit $832,750; median home $226,300 |
| Neighbor: Talladega County, AL | limit $832,750; median home $149,200 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Shelby County's median home value is 55% above the state median of $209,900 (rank 1 of 67). Among its 6 neighboring counties, Jefferson County has the highest median home value ($240,000) and Coosa County the lowest ($115,500); all share the same loan limit. Owners pay a median $1,423 a year in property tax, an effective rate of about 0.44% 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: Shawano County, WI
- 2026 conforming loan limit: Shawnee County, KS
- 2026 conforming loan limit: Sheboygan County, WI
- 2026 conforming loan limit: Shelby County, IA
- 2026 conforming loan limit: Shelby County, IL
- 2026 conforming loan limit: Shelby County, IN
- 2026 conforming loan limit: Shelby County, KY
- 2026 conforming loan limit: Shelby County, MO
Last updated 2026-10-16. Data only, not financial or tax advice.