FHA Loan Limits in Marshall County, Alabama (2026)
Marshall County and the rest of Marshall 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 Marshall County — Marshall 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 Marshall County?
An FHA buyer near Marshall County faces an estimated $207,000 median, a $7,245 down payment, and — after Alabama's 0.41% property tax — a monthly cost around $1,530. That suits household income of roughly $59,000, under Alabama's $59,609 median household income.
FHA payment scenarios in Marshall County
Here is what an FHA payment looks like at three Marshall County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $149,000 | $5,215 | $1,134 |
| Local median — $207,000 | $7,245 | $1,530 |
| At the FHA limit — $541,287 | $18,945 | $3,813 |
Estimates include FHA MIP plus Alabama property taxes and insurance. Rates move daily near Marshall County too — get notified.
Buyers across Marshall County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,245 down payment near Marshall County into little out of pocket.
Multi-unit FHA limits in Marshall County
Looking at a duplex or fourplex near Marshall County? FHA allows up to $692,997 on two units and $1,041,072 on four in Marshall 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 Marshall County for 2026?
- In Marshall County (Marshall 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 Marshall County with FHA?
- For a median-priced ($207,000) Marshall County home, plan on income around $59,000 at a 31% housing ratio — about $1,530/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Marshall County?
- 3.5% with a 580+ score — roughly $7,245 on a $207,000 Marshall County-area home. Gift funds are allowed.
- Is Marshall County a high-cost FHA area?
- No — Marshall County uses the $541,287 national floor for one unit.