AL mortgage rates

Montgomery County

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

Montgomery 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 Montgomery 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 Montgomery

A local view of the market.

Montgomery County, AL, has a dynamic real estate market, with median home values around $239,000 in 2024. The county’s status as the state capital and cultural center attracts a range of homebuyers. Montgomery, the county seat and largest city, has a population of about 200,000. Other nearby communities include Pike Road, with around 9,000 residents. Montgomery County offers a predominantly urban and suburban lifestyle, with a strong economy in government, education, and healthcare. Known for its historical significance and modern amenities, it appeals to families, professionals, and retirees seeking a culturally rich environment with city conveniences.

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 communityMontgomeryFrom the county record
Data year2026Aligned with this limit record
Montgomery
Top cities & communities

Communities to explore.

Montgomery
Questions & Answers

Refinancing in Montgomery County

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

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