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Up for the quarter, down for the year? See what's happening with home affordability in our latest "Income you need to buy a home in the top 50 metro areas".

Up for the quarter, down for the year? See what's happening with home affordability in our latest "Income you need to buy a home in the top 50 metro areas".

Current FHA Mortgage Rates in AL - Alabama FHA mortgage

Get FHA mortgage rates

Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Alabama Mortgages

2023 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 2023 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$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Baldwin One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Barbour One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bibb One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Blount One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bullock One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Butler One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Calhoun One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Chambers One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Cherokee One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Chilton One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Choctaw One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Clarke One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Clay One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Cleburne One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Coffee One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Colbert One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Conecuh One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Coosa One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Covington One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Crenshaw One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Cullman One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Dale One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Dallas One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Dekalb One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Elmore One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Escambia One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Etowah One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Fayette One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Franklin One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Geneva One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Greene One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Hale One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Henry One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Houston One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Jackson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Jefferson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lamar One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lauderdale One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lawrence One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lee One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Limestone One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lowndes One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Macon One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Madison One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Marengo One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Marion One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Marshall One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Mobile One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Monroe One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Montgomery One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Morgan One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Perry One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Pickens One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Pike One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Randolph One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Russell One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Shelby One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
St. Clair One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Sumter One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Talladega One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Tallapoosa One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Tuscaloosa One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Walker One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Washington One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Wilcox One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Winston One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900

Mortgage Rates by State

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