AL mortgage rates

Barbour County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Barbour County, Alabama. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Barbour County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Barbour County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Barbour

A local view of the market.

The real estate market in Barbour County, Alabama, has seen a slight decline, with the average home value currently at $149,969, reflecting a decrease of 0.8% over the past year. This indicates a stable yet slightly fluctuating market, which may present opportunities for buyers looking for affordable housing options in the region. Barbour County is home to several notable cities, including Eufaula and Clayton. Eufaula, the largest city, is known for its historic architecture and has a population of approximately 12,000 residents. Clayton, the county seat, is smaller, with a population of around 3,000 people, offering a more intimate community atmosphere. Living in Barbour County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, providing a peaceful rural lifestyle. Suburban life is centered around the county's towns, where residents enjoy a close-knit community feel. The top industries include agriculture, manufacturing, and retail, attracting people who seek a quieter life away from urban centers while still having access to essential amenities.

County snapshot

Market context.

AL

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaEufaulaMapped market area
Area code21640CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Barbour County

Common questions about 2026 loan limits and refinancing opportunities in Alabama.

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