AL mortgage rates

Lowndes County

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

Lowndes 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 Lowndes 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 Lowndes

A local view of the market.

Lowndes County, AL, has a stable real estate market, with median home values around $240,000 in 2024. The rural landscape and low cost of living attract buyers seeking an agricultural setting. Hayneville, the county seat, has a population of approximately 900. Other small communities include Fort Deposit and White Hall. Lowndes County offers a primarily rural lifestyle, with an economy centered on agriculture and small businesses. The county’s peaceful environment and close-knit communities make it ideal for those who prefer a quiet, country lifestyle with access to Alabama’s natural beauty.

County snapshot

Market context.

AL

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

Market areaMontgomeryMapped market area
Area code33860CBSA / MSA reference
Featured communityValdostaFrom the county record
Data year2026Aligned with this limit record
Valdosta
Top cities & communities

Communities to explore.

Valdosta
Questions & Answers

Refinancing in Lowndes County

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

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