AL mortgage rates

Blount County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Blount 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

Blount 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 Blount 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 Blount

A local view of the market.

The real estate market in Blount County, Alabama, has seen a positive trend, with the average home value reaching $229,368, marking a 4.1% increase over the past year. Homes in this area typically go to pending status in approximately 49 days, indicating a relatively active market. Blount County is home to several notable cities, with Oneonta being the county seat. Oneonta has a population of around 6,500 residents, offering a small-town charm with essential amenities. Another significant city is Blountsville, which has a smaller population but is known for its historical significance and community-oriented lifestyle. Living in Blount 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 many residents enjoy a quieter, more laid-back lifestyle compared to urban areas. The top industries include agriculture, manufacturing, and retail trade. People are drawn to Blount County for its affordable housing, scenic beauty, and the appeal of a close-knit community, making it an attractive option for those looking to escape the hustle and bustle of city life.

County snapshot

Market context.

AL

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

Market areaBirmingham-HooverMapped market area
Area code13820CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Blount County

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

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