AL mortgage rates

St. Clair County

Clear, current 2026 mortgage and refinance loan limits for homeowners in St. Clair 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

St. Clair 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 St. Clair 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 St. Clair

A local view of the market.

St. Clair County, AL, has seen considerable growth, with median home values around $310,000 in 2024. The county’s suburban appeal and proximity to Birmingham make it popular for new homebuyers and commuters. Pell City, the largest city, has a population of approximately 14,000, and other notable towns include Moody (population 13,000) and Springville (population 4,500). St. Clair County offers a suburban-rural mix with a focus on retail, healthcare, and manufacturing. With its scenic views and access to Logan Martin Lake, the county is popular with families and outdoor enthusiasts who enjoy lakeside activities and a small-town feel with urban access.

County snapshot

Market context.

AL

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

Market areaBirmingham-HooverMapped market area
Area code13820CBSA / MSA reference
Featured communitiesBelleville · O'FallonFrom the county record
Data year2026Aligned with this limit record
BellevilleO'Fallon
Top cities & communities

Communities to explore.

BellevilleO'Fallon
Questions & Answers

Refinancing in St. Clair County

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

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