Highest FHA limit in Alabama
$541,287
In 2026, FHA one-unit limits in Alabama range from $541,287 to $541,287 (Autauga County). 67 of 67 counties use the national floor.
67 of 67counties at the $541,287 floor
All Alabama counties
| County | 1 unit | 2 units | 4 units | Conforming |
|---|---|---|---|---|
| Autauga County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Baldwin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Barbour County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bibb County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Blount County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Bullock County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Butler County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Calhoun County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chambers County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cherokee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Chilton County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Choctaw County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clarke County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Clay County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cleburne County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Coffee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Colbert County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Conecuh County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Coosa County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Covington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Crenshaw County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Cullman County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dale County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Dallas County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| DeKalb County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Elmore County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Escambia County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Etowah County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Fayette County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Franklin County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Geneva County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Greene County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Hale County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Henry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Houston County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jackson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Jefferson County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lamar County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lauderdale County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lawrence County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lee County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Limestone County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Lowndes County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Macon County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Madison County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marengo County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marion County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Marshall County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Mobile County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Monroe County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Montgomery County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Morgan County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Perry County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pickens County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Pike County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Randolph County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Russell County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Shelby County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| St. Clair County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Sumter County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Talladega County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tallapoosa County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Tuscaloosa County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Walker County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Washington County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Wilcox County | $541,287 | $693,050 | $1,041,125 | $832,750 |
| Winston County | $541,287 | $693,050 | $1,041,125 | $832,750 |
Sources: HUD FHA forward mortgage limits CY2026 (CHUMS file, case numbers assigned on or after Jan 1, 2026); FHFA 2026 conforming loan limits; Freddie Mac PMMS 30-year average 7.40% (week of 2026-10-15) for payment examples, which cover principal and interest only, before FHA mortgage insurance, taxes and insurance. Not lending advice.
Frequently asked questions
What is the FHA loan limit in Alabama for 2026?
In 2026, FHA one-unit limits in Alabama range from $541,287 to $541,287 (Autauga County). 67 of 67 counties use the national floor.
What is the FHA floor for 2026?
$541,287 for a one-unit home. The high-cost ceiling is $1,249,125.
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