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31 metro areas saw lower home values in the first quarter of 2025 compared to a year ago. What's happening in your area? See HSH.com's Home Value Tracker.

31 metro areas saw lower home values in the first quarter of 2025 compared to a year ago. What's happening in your area? See HSH.com's Home Value Tracker.

Today's Alabama Mortgage Rates in the HSH Lender Showcase

Alabama Mortgages

If you're buying a home or refinancing one in Alabama, use the resources available on HSH.com to identify the right mortgage--and the right Alabama mortgage rates--for your financial needs.

The education, banking, and technology sectors have attracted major employers and jobs to Alabama in recent years. Home affordability, especially in metropolitan areas like Birmingham, Huntsville, and Mobile, can fluctuate based on housing availability, employer hiring trends, and prevailing AL mortgage rates.

As in other parts of the country, national market movements and local economic conditions impact current AL mortgage rates. Contacting a trusted mortgage broker or lender for a quote can help you determine whether a refinance or a new home loan makes sense under today's market conditions.

Alabama Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2025 Conforming loan limits for Alabama

Select County
County Name One Family Two Family Three Family Four Family
Autauga County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Baldwin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Barbour County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bibb County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Blount County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bullock County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Butler County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Calhoun County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Chambers County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cherokee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Chilton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Choctaw County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clarke County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clay County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cleburne County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Coffee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Colbert County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Conecuh County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Coosa County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Covington County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Crenshaw County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cullman County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dale County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dallas County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dekalb County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Elmore County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Escambia County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Etowah County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fayette County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Franklin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Geneva County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Greene County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hale County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Henry County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Houston County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jackson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jefferson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lamar County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lauderdale County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lawrence County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Limestone County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lowndes County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Macon County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Madison County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Marengo County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Marion County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Marshall County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mobile County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Monroe County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Montgomery County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Morgan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Perry County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pickens County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pike County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Randolph County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Russell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Shelby County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
St. Clair County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sumter County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Talladega County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Tallapoosa County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Tuscaloosa County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Walker County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Washington County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wilcox County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Winston County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates

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