FHA Loan Limits in Madison County, Alabama (2026)
In Madison County — anchored by Madison County — the 2026 FHA loan limit for a single-family home is $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 |
From Madison County to the edges of Madison County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Jefferson and Mobile Counties.
Affording a home in Madison County & Madison County
Homes around Madison County carry an estimated local median near $330,000, so an FHA buyer in Madison County puts down about $11,550 (3.5%). With Alabama's 0.41% effective property-tax rate, the all-in payment runs near $2,370 a month — comfortable on household income around $92,000, above Alabama's $59,609 median household income, so budget carefully.
FHA payment scenarios in Madison County
FHA payments across Madison County price points — from entry homes near Madison County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $238,000 | $8,330 | $1,742 |
| Local median — $330,000 | $11,550 | $2,370 |
| At the FHA limit — $541,287 | $18,945 | $3,813 |
Estimates include FHA MIP plus Alabama property taxes and insurance. Rates move daily near Madison County too — get notified.
First-time buyers make up much of FHA activity in Madison County and across Madison County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $11,550 needed on a median Madison County home.
Multi-unit FHA limits in Madison County
Madison County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Madison County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Madison County for 2026?
- In Madison County (Madison 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 Madison County with FHA?
- For a median-priced ($330,000) Madison County home, plan on income around $92,000 at a 31% housing ratio — about $2,370/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Madison County?
- 3.5% with a 580+ score — roughly $11,550 on a $330,000 Madison County-area home. Gift funds are allowed.
- Is Madison County a high-cost FHA area?
- No — Madison County uses the $541,287 national floor for one unit.