AL mortgage rates

Wilcox County

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

Wilcox 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 Wilcox 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 Wilcox

A local view of the market.

Wilcox County, AL, has a stable real estate market, with median home values around $350,000 in 2024. The affordable housing and scenic countryside attract buyers seeking a rural, slower-paced lifestyle. Camden, the county seat, has a population of approximately 1,900. Pine Hill and Oak Hill are other small communities in the county. Wilcox County offers a rural lifestyle with an economy focused on agriculture, forestry, and outdoor recreation. The area’s historic sites and natural landscapes make it ideal for those who enjoy fishing, hunting, and a strong sense of community.

Questions & Answers

Refinancing in Wilcox County

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

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