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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in AL - Alabama FHA mortgage

Alabama Mortgages

2024 FHA Loan Limits for Alabama

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Alabama are below.

Select County
County Name One Family Two Family Three Family Four Family
Autauga One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Baldwin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Barbour One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bibb One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Blount One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bullock One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Butler One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Calhoun One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Chambers One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cherokee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Chilton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Choctaw One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clarke One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clay One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cleburne One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Coffee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Colbert One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Conecuh One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Coosa One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Covington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Crenshaw One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cullman One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dale One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dallas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dekalb One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Elmore One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Escambia One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Etowah One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fayette One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Franklin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Geneva One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Greene One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hale One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Henry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Houston One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jackson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jefferson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lamar One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lauderdale One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lawrence One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Limestone One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lowndes One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Macon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Madison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marengo One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marion One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marshall One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mobile One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Monroe One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Montgomery One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Morgan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Perry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pickens One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pike One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Randolph One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Russell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Shelby One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
St. Clair One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sumter One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Talladega One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Tallapoosa One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Tuscaloosa One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Walker One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Washington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wilcox One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Winston One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350

Mortgage Rates by State

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