FHA Loan Limits and USDA Eligibility in Alabama
2026 FHA one-unit limit in Alabama is $541,287. About 81% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $132,850. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Alabama
Alabama one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for Alabama
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EligibleIneligibleUSDA ineligible boundary
Alabama FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Autauga County | $541,287 | $122,800 |
| Baldwin County | $541,287 | $122,800 |
| Barbour County | $541,287 | $122,800 |
| Bibb County | $541,287 | $122,800 |
| Blount County | $541,287 | $122,800 |
| Bullock County | $541,287 | $122,800 |
| Butler County | $541,287 | $122,800 |
| Calhoun County | $541,287 | $122,800 |
| Chambers County | $541,287 | $122,800 |
| Cherokee County | $541,287 | $122,800 |
| Chilton County | $541,287 | $122,800 |
| Choctaw County | $541,287 | $122,800 |
| Clarke County | $541,287 | $122,800 |
| Clay County | $541,287 | $122,800 |
| Cleburne County | $541,287 | $122,800 |
| Coffee County | $541,287 | $122,800 |
| Colbert County | $541,287 | $122,800 |
| Conecuh County | $541,287 | $122,800 |
| Coosa County | $541,287 | $122,800 |
| Covington County | $541,287 | $122,800 |
| Crenshaw County | $541,287 | $122,800 |
| Cullman County | $541,287 | $122,800 |
| Dale County | $541,287 | $122,800 |
| Dallas County | $541,287 | $122,800 |
| DeKalb County | $541,287 | $122,800 |
| Elmore County | $541,287 | $122,800 |
| Escambia County | $541,287 | $122,800 |
| Etowah County | $541,287 | $122,800 |
| Fayette County | $541,287 | $122,800 |
| Franklin County | $541,287 | $122,800 |
| Geneva County | $541,287 | $122,800 |
| Greene County | $541,287 | $122,800 |
| Hale County | $541,287 | $122,800 |
| Henry County | $541,287 | $122,800 |
| Houston County | $541,287 | $122,800 |
| Jackson County | $541,287 | $122,800 |
| Jefferson County | $541,287 | $122,800 |
| Lamar County | $541,287 | $122,800 |
| Lauderdale County | $541,287 | $122,800 |
| Lawrence County | $541,287 | $122,800 |
| Lee County | $541,287 | $122,800 |
| Limestone County | $541,287 | $132,850 |
| Lowndes County | $541,287 | $122,800 |
| Macon County | $541,287 | $122,800 |
| Madison County | $541,287 | $132,850 |
| Marengo County | $541,287 | $122,800 |
| Marion County | $541,287 | $122,800 |
| Marshall County | $541,287 | $122,800 |
| Mobile County | $541,287 | $122,800 |
| Monroe County | $541,287 | $122,800 |
| Montgomery County | $541,287 | $122,800 |
| Morgan County | $541,287 | $122,800 |
| Perry County | $541,287 | $122,800 |
| Pickens County | $541,287 | $122,800 |
| Pike County | $541,287 | $122,800 |
| Randolph County | $541,287 | $122,800 |
| Russell County | $541,287 | $122,800 |
| Shelby County | $541,287 | $122,800 |
| St. Clair County | $541,287 | $122,800 |
| Sumter County | $541,287 | $122,800 |
| Talladega County | $541,287 | $122,800 |
| Tallapoosa County | $541,287 | $122,800 |
| Tuscaloosa County | $541,287 | $122,800 |
| Walker County | $541,287 | $122,800 |
| Washington County | $541,287 | $122,800 |
| Wilcox County | $541,287 | $122,800 |
| Winston County | $541,287 | $122,800 |
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