Washington County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 5.2 times the county's median home value of $159,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $61,042 (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) | $159,700 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 5.21× |
| Median household income | $61,042 |
| Median home value ÷ income | 2.6× |
| Population | 15,143 |
| Median property tax paid (owners) | $365 |
| Effective property tax rate (approx.) | 0.23% |
| Owner-occupied homes | 85.8% |
| Home value rank in Alabama | 29 of 67 counties |
| Neighbor: Baldwin County, AL | limit $832,750; median home $316,900 |
| Neighbor: Choctaw County, AL | limit $832,750; median home $123,400 |
| Neighbor: Clarke County, AL | limit $832,750; median home $121,700 |
| Neighbor: Mobile County, AL | limit $832,750; median home $190,700 |
| Neighbor: Greene County, MS | limit $832,750; median home $92,700 |
| Neighbor: Wayne County, MS | limit $832,750; median home $91,100 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Washington County's median home value is 24% below the state median of $209,900 (rank 29 of 67). Among its 6 neighboring counties, Baldwin County has the highest median home value ($316,900) and Wayne County the lowest ($91,100); all share the same loan limit. Owners pay a median $365 a year in property tax, an effective rate of about 0.23% 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.
Frequently asked questions
What is the conforming loan limit in Washington County, Alabama?
Washington County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 5.2 times the county's median home value of $159,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $61,042 (FHFA; Census ACS 2020–2024).
What is the median home value in Washington County, Alabama?
The median owner-occupied home value in Washington County is $159,700 (ACS 2020–2024), versus $209,900 statewide.
Do I need a jumbo loan in Washington County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $159,700, so the cap is 5.21 times the typical home value.
Related
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Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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