AL mortgage rates

Mobile County

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

Mobile 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 Mobile 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 Mobile

A local view of the market.

Mobile County, AL, has a robust real estate market, with median home values around $250,000 in 2024. The county’s coastal location and strong economy attract a variety of homebuyers. Mobile, the largest city, has a population of approximately 185,000, while Prichard and Saraland are smaller cities with populations of around 20,000 and 16,000, respectively. Mobile County offers an urban-suburban mix, with a local economy driven by shipping, aerospace, and healthcare. Its coastal attractions, historic sites, and diverse communities make it popular with families and young professionals looking for a vibrant city atmosphere with a Southern charm.

County snapshot

Market context.

AL

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

Market areaMobileMapped market area
Area code33660CBSA / MSA reference
Featured communityMobileFrom the county record
Data year2026Aligned with this limit record
Mobile
Top cities & communities

Communities to explore.

Mobile
Questions & Answers

Refinancing in Mobile County

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

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