FHA Loan Limits and USDA Eligibility in Madison County, Alabama
2026 FHA one-unit limit in Madison 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 $132,850. 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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EligibleIneligibleUSDA ineligible boundary
Madison 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 |
|---|---|---|
| 35741 | $541,287 | $132,850 |
| 35748 | $541,287 | $122,800 to $132,850 |
| 35749 | $541,287 | $132,850 |
| 35750 | $541,287 | $132,850 |
| 35756 | $541,287 | $132,850 |
| 35757 | $541,287 | $132,850 |
| 35758 | $541,287 | $132,850 |
| 35759 | $541,287 | $132,850 |
| 35760 | $541,287 | $122,800 to $132,850 |
| 35761 | $541,287 | $132,850 |
| 35762 | $541,287 | $132,850 |
| 35763 | $541,287 | $132,850 |
| 35767 | $541,287 | $132,850 |
| 35773 | $541,287 | $132,850 |
| 35801 | $541,287 | $132,850 |
| 35802 | $541,287 | $132,850 |
| 35803 | $541,287 | $132,850 |
| 35804 | $541,287 | $132,850 |
| 35805 | $541,287 | $132,850 |
| 35806 | $541,287 | $132,850 |
| 35807 | $541,287 | $132,850 |
| 35808 | $541,287 | $132,850 |
| 35809 | $541,287 | $132,850 |
| 35810 | $541,287 | $132,850 |
| 35811 | $541,287 | $132,850 |
| 35812 | $541,287 | $132,850 |
| 35816 | $541,287 | $132,850 |
| 35824 | $541,287 | $132,850 |
| 35896 | $541,287 | $132,850 |
| 35897 | $541,287 | $132,850 |
| 35898 | $541,287 | $132,850 |
| 35899 | $541,287 | $132,850 |