FHA Loan Limits in Mobile County, Alabama (2026)
Mobile County and the rest of Mobile 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 Mobile County — Mobile County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Jefferson and Madison Counties.
How much home can you afford in Mobile County?
An FHA buyer near Mobile County faces an estimated $200,000 median, a $7,000 down payment, and — after Alabama's 0.41% property tax — a monthly cost around $1,483. That suits household income of roughly $57,000, under Alabama's $59,609 median household income.
FHA payment scenarios in Mobile County
Here is what an FHA payment looks like at three Mobile County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $144,000 | $5,040 | $1,100 |
| Local median — $200,000 | $7,000 | $1,483 |
| At the FHA limit — $541,287 | $18,945 | $3,813 |
Estimates include FHA MIP plus Alabama property taxes and insurance. Rates move daily near Mobile County too — get notified.
Buyers across Mobile County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,000 down payment near Mobile County into little out of pocket.
Multi-unit FHA limits in Mobile County
Looking at a duplex or fourplex near Mobile County? FHA allows up to $692,997 on two units and $1,041,072 on four in Mobile 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 Mobile County for 2026?
- In Mobile County (Mobile 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 Mobile County with FHA?
- For a median-priced ($200,000) Mobile County home, plan on income around $57,000 at a 31% housing ratio — about $1,483/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Mobile County?
- 3.5% with a 580+ score — roughly $7,000 on a $200,000 Mobile County-area home. Gift funds are allowed.
- Is Mobile County a high-cost FHA area?
- No — Mobile County uses the $541,287 national floor for one unit.