FHA Loan Limits and USDA Eligibility in Jefferson County, Alabama
2026 FHA one-unit limit in Jefferson County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $122,800. Enter a ZIP on the maps. USDA scores the property address, not the county.
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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Jefferson County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 35005 | $541,287 | $122,800 |
| 35006 | $541,287 | $122,800 |
| 35020 | $541,287 | $122,800 |
| 35022 | $541,287 | $122,800 |
| 35023 | $541,287 | $122,800 |
| 35036 | $541,287 | $122,800 |
| 35046 | $541,287 | $122,800 |
| 35060 | $541,287 | $122,800 |
| 35061 | $541,287 | $122,800 |
| 35062 | $541,287 | $122,800 |
| 35063 | $541,287 | $122,800 |
| 35064 | $541,287 | $122,800 |
| 35068 | $541,287 | $122,800 |
| 35071 | $541,287 | $122,800 |
| 35073 | $541,287 | $122,800 |
| 35091 | $541,287 | $122,800 |
| 35094 | $541,287 | $122,800 |
| 35111 | $541,287 | $122,800 |
| 35116 | $541,287 | $122,800 |
| 35117 | $541,287 | $122,800 |
| 35118 | $541,287 | $122,800 |
| 35119 | $541,287 | $122,800 |
| 35126 | $541,287 | $122,800 |
| 35127 | $541,287 | $122,800 |
| 35130 | $541,287 | $122,800 |
| 35146 | $541,287 | $122,800 |
| 35172 | $541,287 | $122,800 |
| 35173 | $541,287 | $122,800 |
| 35180 | $541,287 | $122,800 |
| 35181 | $541,287 | $122,800 |
| 35203 | $541,287 | $122,800 |
| 35204 | $541,287 | $122,800 |
| 35205 | $541,287 | $122,800 |
| 35206 | $541,287 | $122,800 |
| 35207 | $541,287 | $122,800 |
| 35208 | $541,287 | $122,800 |
| 35209 | $541,287 | $122,800 |
| 35210 | $541,287 | $122,800 |
| 35211 | $541,287 | $122,800 |
| 35212 | $541,287 | $122,800 |
| 35213 | $541,287 | $122,800 |
| 35214 | $541,287 | $122,800 |
| 35215 | $541,287 | $122,800 |
| 35216 | $541,287 | $122,800 |
| 35217 | $541,287 | $122,800 |
| 35218 | $541,287 | $122,800 |
| 35221 | $541,287 | $122,800 |
| 35222 | $541,287 | $122,800 |
| 35223 | $541,287 | $122,800 |
| 35224 | $541,287 | $122,800 |
| 35226 | $541,287 | $122,800 |
| 35228 | $541,287 | $122,800 |
| 35229 | $541,287 | $122,800 |
| 35233 | $541,287 | $122,800 |
| 35234 | $541,287 | $122,800 |
| 35235 | $541,287 | $122,800 |
| 35242 | $541,287 | $122,800 |
| 35243 | $541,287 | $122,800 |
| 35244 | $541,287 | $122,800 |
| 35254 | $541,287 | $122,800 |