AL mortgage rates

Houston County

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

Houston 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 Houston 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 Houston

A local view of the market.

Houston County, AL, has seen substantial growth in real estate, with median home values around $260,000 in 2024. The county’s location near the Florida border and strong local economy attract homebuyers looking for suburban and urban options. Dothan is the largest city, with a population of around 71,000, offering a more urban lifestyle, while Cowarts and Ashford are smaller towns with populations around 2,000 and 2,200, respectively. Houston County offers a mix of urban, suburban, and rural living, with a local economy that includes healthcare, retail, and education. The county is popular with families and young professionals looking for modern amenities with access to the outdoors.

County snapshot

Market context.

AL

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

Market areaDothanMapped market area
Area code20020CBSA / MSA reference
Featured communitiesDothan · Perry · Warner RobinsFrom the county record
Data year2026Aligned with this limit record
DothanPerryWarner Robins
Top cities & communities

Communities to explore.

DothanPerryWarner Robins
Questions & Answers

Refinancing in Houston County

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

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