AL mortgage rates

Sumter County

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

Sumter 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 Sumter 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 Sumter

A local view of the market.

Sumter County, AL, has a stable real estate market, with median home values around $70,000 in 2024. The rural setting and low cost of living attract buyers looking for affordable housing and open spaces. Livingston, the county seat, has a population of about 3,200 and is home to the University of West Alabama. Other communities include York and Cuba. Sumter County offers a rural lifestyle, with a local economy centered on education, agriculture, and small businesses. Known for its strong community ties and quiet atmosphere, it is popular with residents who enjoy a slower pace and a focus on local culture and history.

Questions & Answers

Refinancing in Sumter County

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

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