Alabama 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Alabama

Alabama has 67 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Autauga County to a high of $1,008,300 for a 4-bedroom unit in Autauga County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Alabama's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($1,008,300) †

Highest Loan Limit ($1,008,300)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Alabama (67 counties)

County	Single Unit Limit (lowest)	Four-Plex Limit (highest)
Autauga County	$524,225	$1,008,300	view details »
Baldwin County	$524,225	$1,008,300	view details »
Barbour County	$524,225	$1,008,300	view details »
Bibb County	$524,225	$1,008,300	view details »
Blount County	$524,225	$1,008,300	view details »
Bullock County	$524,225	$1,008,300	view details »
Butler County	$524,225	$1,008,300	view details »
Calhoun County	$524,225	$1,008,300	view details »
Chambers County	$524,225	$1,008,300	view details »
Cherokee County	$524,225	$1,008,300	view details »
Chilton County	$524,225	$1,008,300	view details »
Choctaw County	$524,225	$1,008,300	view details »
Clarke County	$524,225	$1,008,300	view details »
Clay County	$524,225	$1,008,300	view details »
Cleburne County	$524,225	$1,008,300	view details »
Coffee County	$524,225	$1,008,300	view details »
Colbert County	$524,225	$1,008,300	view details »
Conecuh County	$524,225	$1,008,300	view details »
Coosa County	$524,225	$1,008,300	view details »
Covington County	$524,225	$1,008,300	view details »
Crenshaw County	$524,225	$1,008,300	view details »
Cullman County	$524,225	$1,008,300	view details »
Dale County	$524,225	$1,008,300	view details »
Dallas County	$524,225	$1,008,300	view details »
Dekalb County	$524,225	$1,008,300	view details »
Elmore County	$524,225	$1,008,300	view details »
Escambia County	$524,225	$1,008,300	view details »
Etowah County	$524,225	$1,008,300	view details »
Fayette County	$524,225	$1,008,300	view details »
Franklin County	$524,225	$1,008,300	view details »
Geneva County	$524,225	$1,008,300	view details »
Greene County	$524,225	$1,008,300	view details »
Hale County	$524,225	$1,008,300	view details »
Henry County	$524,225	$1,008,300	view details »
Houston County	$524,225	$1,008,300	view details »
Jackson County	$524,225	$1,008,300	view details »
Jefferson County	$524,225	$1,008,300	view details »
Lamar County	$524,225	$1,008,300	view details »
Lauderdale County	$524,225	$1,008,300	view details »
Lawrence County	$524,225	$1,008,300	view details »
Lee County	$524,225	$1,008,300	view details »
Limestone County	$524,225	$1,008,300	view details »
Lowndes County	$524,225	$1,008,300	view details »
Macon County	$524,225	$1,008,300	view details »
Madison County	$524,225	$1,008,300	view details »
Marengo County	$524,225	$1,008,300	view details »
Marion County	$524,225	$1,008,300	view details »
Marshall County	$524,225	$1,008,300	view details »
Mobile County	$524,225	$1,008,300	view details »
Monroe County	$524,225	$1,008,300	view details »
Montgomery County	$524,225	$1,008,300	view details »
Morgan County	$524,225	$1,008,300	view details »
Perry County	$524,225	$1,008,300	view details »
Pickens County	$524,225	$1,008,300	view details »
Pike County	$524,225	$1,008,300	view details »
Randolph County	$524,225	$1,008,300	view details »
Russell County	$524,225	$1,008,300	view details »
St. Clair County	$524,225	$1,008,300	view details »
Shelby County	$524,225	$1,008,300	view details »
Sumter County	$524,225	$1,008,300	view details »
Talladega County	$524,225	$1,008,300	view details »
Tallapoosa County	$524,225	$1,008,300	view details »
Tuscaloosa County	$524,225	$1,008,300	view details »
Walker County	$524,225	$1,008,300	view details »
Washington County	$524,225	$1,008,300	view details »
Wilcox County	$524,225	$1,008,300	view details »
Winston County	$524,225	$1,008,300	view details »

How to qualify for an FHA Loan in Alabama?

To qualify for an FHA loan in Alabama, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in Alabama is $524,225 for a single-family home and $1,008,300 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Alabama. Additional restricts apply. Click on the Alabama map above or the table below to see loan limits in your area.

Alabama 2025 FHA Loan Limits

Loan Limits in Alabama

Loan Limits by County in Alabama (67 counties)

How to qualify for an FHA Loan in Alabama?

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