AL mortgage rates

Calhoun County

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

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

About Calhoun

A local view of the market.

The real estate market in Calhoun County, Alabama, has seen a notable increase in home values. As of March 2025, the median home sold price was $212,000, reflecting a 16% increase from the previous month. The median listing price was $220,000, with homes typically selling for about 1.53% below the asking price. Calhoun County is home to several key cities, including Anniston, Oxford, and Jacksonville. Anniston has a population of approximately 21,000, while Oxford is slightly larger with about 22,000 residents. Jacksonville, known for Jacksonville State University, has a population of around 13,000. Living in Calhoun County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is characterized by its suburban life, with many residents commuting to nearby cities for work. The top industries include manufacturing, education, and healthcare. People are drawn to Calhoun County for its affordable housing, community-oriented lifestyle, and proximity to larger urban centers.

County snapshot

Market context.

AL

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

Market areaAnniston-OxfordMapped market area
Area code11500CBSA / MSA reference
Featured communitiesAnniston · OxfordFrom the county record
Data year2026Aligned with this limit record
AnnistonOxford
Top cities & communities

Communities to explore.

AnnistonOxford
Questions & Answers

Refinancing in Calhoun County

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

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