FHA Loan Limits in Limestone County, Alabama (2026)
From Limestone County, FHA buyers in Limestone County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 |
These 2026 limits apply throughout Limestone County, from Limestone County outward, and sit alongside the limits set for neighboring Jefferson and Mobile Counties.
What can you buy with FHA in Limestone County?
With Limestone County's median sale price estimated near $249,000 (think Limestone County), the FHA down payment is roughly $8,715. Factoring Alabama property taxes near 0.41%, expect about $1,817 monthly, pointing to income near $70,000 — above Alabama's $59,609 median household income, so budget carefully.
FHA payment scenarios in Limestone County
Whether you are buying in Limestone County or a smaller Limestone County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $179,000 | $6,265 | $1,339 |
| Local median — $249,000 | $8,715 | $1,817 |
| At the FHA limit — $541,287 | $18,945 | $3,813 |
Estimates include FHA MIP plus Alabama property taxes and insurance. Rates move daily near Limestone County too — get notified.
In Limestone County and the surrounding Limestone County market, FHA's appeal is the math: $8,715 down on a $249,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Limestone County
Investors and house-hackers in Limestone County and across Limestone County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Limestone County for 2026?
- In Limestone County (Limestone 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 Limestone County with FHA?
- For a median-priced ($249,000) Limestone County home, plan on income around $70,000 at a 31% housing ratio — about $1,817/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Limestone County?
- 3.5% with a 580+ score — roughly $8,715 on a $249,000 Limestone County-area home. Gift funds are allowed.
- Is Limestone County a high-cost FHA area?
- No — Limestone County uses the $541,287 national floor for one unit.