Alabama 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in Alabama

Alabama has 67 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Autauga County to a high of $809,150 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 ($809,150)
Highest Loan Limit ($809,150)

† 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 $420,680 $809,150 view details »
Baldwin County $420,680 $809,150 view details »
Barbour County $420,680 $809,150 view details »
Bibb County $420,680 $809,150 view details »
Blount County $420,680 $809,150 view details »
Bullock County $420,680 $809,150 view details »
Butler County $420,680 $809,150 view details »
Calhoun County $420,680 $809,150 view details »
Chambers County $420,680 $809,150 view details »
Cherokee County $420,680 $809,150 view details »
Chilton County $420,680 $809,150 view details »
Choctaw County $420,680 $809,150 view details »
Clarke County $420,680 $809,150 view details »
Clay County $420,680 $809,150 view details »
Cleburne County $420,680 $809,150 view details »
Coffee County $420,680 $809,150 view details »
Colbert County $420,680 $809,150 view details »
Conecuh County $420,680 $809,150 view details »
Coosa County $420,680 $809,150 view details »
Covington County $420,680 $809,150 view details »
Crenshaw County $420,680 $809,150 view details »
Cullman County $420,680 $809,150 view details »
Dale County $420,680 $809,150 view details »
Dallas County $420,680 $809,150 view details »
Dekalb County $420,680 $809,150 view details »
Elmore County $420,680 $809,150 view details »
Escambia County $420,680 $809,150 view details »
Etowah County $420,680 $809,150 view details »
Fayette County $420,680 $809,150 view details »
Franklin County $420,680 $809,150 view details »
Geneva County $420,680 $809,150 view details »
Greene County $420,680 $809,150 view details »
Hale County $420,680 $809,150 view details »
Henry County $420,680 $809,150 view details »
Houston County $420,680 $809,150 view details »
Jackson County $420,680 $809,150 view details »
Jefferson County $420,680 $809,150 view details »
Lamar County $420,680 $809,150 view details »
Lauderdale County $420,680 $809,150 view details »
Lawrence County $420,680 $809,150 view details »
Lee County $420,680 $809,150 view details »
Limestone County $420,680 $809,150 view details »
Lowndes County $420,680 $809,150 view details »
Macon County $420,680 $809,150 view details »
Madison County $420,680 $809,150 view details »
Marengo County $420,680 $809,150 view details »
Marion County $420,680 $809,150 view details »
Marshall County $420,680 $809,150 view details »
Mobile County $420,680 $809,150 view details »
Monroe County $420,680 $809,150 view details »
Montgomery County $420,680 $809,150 view details »
Morgan County $420,680 $809,150 view details »
Perry County $420,680 $809,150 view details »
Pickens County $420,680 $809,150 view details »
Pike County $420,680 $809,150 view details »
Randolph County $420,680 $809,150 view details »
Russell County $420,680 $809,150 view details »
St. Clair County $420,680 $809,150 view details »
Shelby County $420,680 $809,150 view details »
Sumter County $420,680 $809,150 view details »
Talladega County $420,680 $809,150 view details »
Tallapoosa County $420,680 $809,150 view details »
Tuscaloosa County $420,680 $809,150 view details »
Walker County $420,680 $809,150 view details »
Washington County $420,680 $809,150 view details »
Wilcox County $420,680 $809,150 view details »
Winston County $420,680 $809,150 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 2022, the maximum loan limit in Alabama is $420,680 for a single-family home and $809,150 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.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/alabama