AL mortgage rates

Morgan County

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

Morgan 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 Morgan 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 Morgan

A local view of the market.

Morgan County, AL, has seen moderate growth in the real estate market, with median home values around $279,000 in 2024. The county’s affordability and proximity to Huntsville make it popular for suburban development. Decatur, the largest city, has a population of approximately 57,000, while Hartselle and Priceville are smaller cities with populations around 15,000 and 3,500, respectively. Morgan County offers a suburban-rural blend, with an economy focused on manufacturing, healthcare, and education. Its location near the Tennessee River and Huntsville makes it ideal for families and professionals who enjoy a balance of urban amenities and outdoor recreation.

County snapshot

Market context.

AL

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

Market areaDecaturMapped market area
Area code19460CBSA / MSA reference
Featured communityDecaturFrom the county record
Data year2026Aligned with this limit record
Decatur
Top cities & communities

Communities to explore.

Decatur
Questions & Answers

Refinancing in Morgan County

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

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