2026 Alabama FHA Loan Limits
FHA loan limits are the maximum amount that you may borrow using an FHA loan in a particular location. You may view the 2026 FHA loan limits for all counties in Alabama below.
FHA Loan Limits in Alabama
Alabama has set its FHA loan limits based on county and property type. For example, in Madison County, the limit for a single-family home is $541,287, while other high cost areas could be higher. These limits may vary, so it is helpful to review the Alabama loan limits list below for specific areas within Alabama.
What are FHA Loan Limits?
FHA loan limits serve as a guideline for borrowers and lenders participating in the FHA loan program. The loan limits help determine the maximum amount the FHA is willing to insure for a specific geographical area. Essentially, they establish the ceiling for how much borrowers can borrow through an FHA loan.
FHA Loan Limits for Different Property Types
When it comes to FHA loans, the loan limits can vary depending on the type of property you are looking to purchase. Understanding these limits is essential for determining the maximum loan amount you can qualify for.
The limits are higher for 2-4 family homes than what is allowed for a single family home. The limit for each county and property type is listed below.
If you would like to learn more about the requirements to get an FHA loan, and view some of the best FHA lenders in Alabama, visit this page.
| County | Single Family | 2 Family | 3 Family | 4 Family |
|---|---|---|---|---|
| AUTAUGA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BALDWIN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BARBOUR | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BIBB | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BLOUNT | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BULLOCK | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BUTLER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CALHOUN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CHAMBERS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CHEROKEE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CHILTON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CHOCTAW | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CLARKE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CLAY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CLEBURNE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| COFFEE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| COLBERT | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CONECUH | $541,287 | $693,050 | $837,700 | $1,041,125 |
| COOSA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| COVINGTONT | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CRENSHAW | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CULLMAN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DALE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DALLAS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DEKALB | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ELMORE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ESCAMBIA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ETOWAH | $541,287 | $693,050 | $837,700 | $1,041,125 |
| FAYETTE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| FRANKLIN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GENEVA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GREENE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HALE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HENRY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| HOUSTON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JACKSON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JEFFERSONT | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LAMAR | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LAUDERDALE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LAWRENCE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LEE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LIMESTONET | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LOWNDES | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MACON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MADISON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MARENGO | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MARION | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MARSHALL | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MOBILE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MONROE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MONTGOMERY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MORGAN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PERRY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PICKENS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PIKE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| RANDOLPH | $541,287 | $693,050 | $837,700 | $1,041,125 |
| RUSSELL | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SHELBY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ST. CLAIRT | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SUMTER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TALLADEGAT | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TALLAPOOSA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TUSCALOOSA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WALKER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WASHINGTON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WILCOX | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WINSTON | $541,287 | $693,050 | $837,700 | $1,041,125 |