X

Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Current FHA Mortgage Rates in AL - Alabama FHA mortgage

Alabama Mortgages

2025 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 2025 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$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Baldwin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Barbour One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bibb One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Blount One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bullock One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Butler One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Calhoun One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chambers One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cherokee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chilton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Choctaw One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clarke One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clay One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cleburne One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Coffee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Colbert One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Conecuh One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Coosa One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Covington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Crenshaw One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cullman One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dale One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dallas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dekalb One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Elmore One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Escambia One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Etowah One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fayette One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Franklin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Geneva One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Greene One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hale One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Henry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Houston One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jackson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jefferson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lamar One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lauderdale One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lawrence One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Limestone One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lowndes One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Macon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Madison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marengo One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marion One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marshall One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mobile One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Monroe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Montgomery One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Morgan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Perry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pickens One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pike One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Randolph One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Russell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Shelby One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
St. Clair One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sumter One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Talladega One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tallapoosa One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tuscaloosa One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Walker One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wilcox One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Winston One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

Add to Homescreen?
✓
X
X
Install this web app on your phone :tap and then Add to homescreen