FHA Loan Limits in Houston County, Alabama (2026)
Houston County and the rest of Houston County, Alabama fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Houston County — Houston County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Jefferson and Mobile Counties.
How much home can you afford in Houston County?
Homes around Houston County carry an estimated local median near $260,000, so an FHA buyer in Houston County puts down about $9,100 (3.5%). With Alabama's 0.41% effective property-tax rate, the all-in payment runs near $1,892 a month — comfortable on household income around $73,000, above Alabama's $59,609 median household income, so budget carefully.
FHA payment scenarios in Houston County
Here is what an FHA payment looks like at three Houston County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $187,000 | $6,545 | $1,394 |
| Local median — $260,000 | $9,100 | $1,892 |
| At the FHA limit — $541,287 | $18,945 | $3,813 |
Estimates include FHA MIP plus Alabama property taxes and insurance. Rates move daily near Houston County too — get notified.
Buyers across Houston County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $9,100 down payment near Houston County into little out of pocket.
Multi-unit FHA limits in Houston County
Looking at a duplex or fourplex near Houston County? FHA allows up to $692,997 on two units and $1,041,072 on four in Houston County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Houston County for 2026?
- In Houston County (Houston County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Houston County with FHA?
- For a median-priced ($260,000) Houston County home, plan on income around $73,000 at a 31% housing ratio — about $1,892/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Houston County?
- 3.5% with a 580+ score — roughly $9,100 on a $260,000 Houston County-area home. Gift funds are allowed.
- Is Houston County a high-cost FHA area?
- No — Houston County uses the $541,287 national floor for one unit.