AL mortgage rates

Russell County

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

Russell 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 Russell 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 Russell

A local view of the market.

Russell County, AL, has experienced growth in recent years, with median home values around $245,000 in 2024. The county’s proximity to Phenix City and Columbus, Georgia, makes it attractive for suburban development. Phenix City, the largest city, has a population of about 37,000 and offers suburban amenities with proximity to a metropolitan area. Hurtsboro is a smaller town with a rural feel. Russell County offers a suburban-rural blend with a local economy driven by manufacturing, healthcare, and retail. Its location near the Chattahoochee River and Columbus appeals to families and commuters seeking suburban living with easy access to urban 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 areaColumbusMapped market area
Area code17980CBSA / MSA reference
Featured communityPhenixFrom the county record
Data year2026Aligned with this limit record
Phenix
Top cities & communities

Communities to explore.

Phenix
Questions & Answers

Refinancing in Russell County

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

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