AL mortgage rates

Franklin County

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

Franklin 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 Franklin 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 Franklin

A local view of the market.

Franklin County, AL, has seen moderate growth, with median home values around $269,000 in 2024. Its affordability and rural appeal attract families and retirees. Russellville, the largest city, has a population of approximately 10,000, while Red Bay and Phil Campbell are smaller communities within the county. Franklin County is predominantly rural, with a focus on agriculture and manufacturing. The county offers a relaxed lifestyle and is known for its scenic beauty, especially around Dismals Canyon, making it attractive to residents seeking a quiet, natural environment.

Questions & Answers

Refinancing in Franklin County

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

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