FHA Loan Limits in Morgan County, Alabama (2026)
From Morgan County, FHA buyers in Morgan 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 |
Every community in Morgan County — Morgan County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Jefferson and Mobile Counties.
What can you buy with FHA in Morgan County?
An FHA buyer near Morgan County faces an estimated $265,000 median, a $9,275 down payment, and — after Alabama's 0.41% property tax — a monthly cost around $1,927. That suits household income of roughly $75,000, above Alabama's $59,609 median household income, so budget carefully.
FHA payment scenarios in Morgan County
Here is what an FHA payment looks like at three Morgan County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $191,000 | $6,685 | $1,421 |
| Local median — $265,000 | $9,275 | $1,927 |
| At the FHA limit — $541,287 | $18,945 | $3,813 |
Estimates include FHA MIP plus Alabama property taxes and insurance. Rates move daily near Morgan County too — get notified.
Buyers across Morgan County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $9,275 down payment near Morgan County into little out of pocket.
Multi-unit FHA limits in Morgan County
Looking at a duplex or fourplex near Morgan County? FHA allows up to $692,997 on two units and $1,041,072 on four in Morgan 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 Morgan County for 2026?
- In Morgan County (Morgan 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 Morgan County with FHA?
- For a median-priced ($265,000) Morgan County home, plan on income around $75,000 at a 31% housing ratio — about $1,927/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Morgan County?
- 3.5% with a 580+ score — roughly $9,275 on a $265,000 Morgan County-area home. Gift funds are allowed.
- Is Morgan County a high-cost FHA area?
- No — Morgan County uses the $541,287 national floor for one unit.