Jefferson County, Alabama Housing Market & Loan Limits
Explore county loan limits, affordability benchmarks, and ZIP-level market pages for Jefferson County, Alabama.
2026 Loan Limits in Jefferson County
| Property Type | Conforming | FHA |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot - Jefferson County, Alabama
To purchase the median home at $350,000 with 5% down at 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
Based on a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800/yr insurance, and a 28% DTI guideline.
ZIP codes in Jefferson County
Jump into ZIP-level market pages for this county.
- 35005
- 35006
- 35020
- 35022
- 35023
- 35036
- 35060
- 35061
- 35062
- 35063
- 35064
- 35068
- 35071
- 35073
- 35079
- 35080
- 35091
- 35094
- 35111
- 35116
- 35117
- 35118
- 35119
- 35126
- 35127
- 35130
- 35146
- 35148
- 35172
- 35173
- 35180
- 35181
- 35203
- 35204
- 35205
- 35206
- 35207
- 35208
- 35209
- 35210
- 35211
- 35212
- 35213
- 35214
- 35215
- 35216
- 35217
- 35218
- 35221
- 35222
- 35223
- 35224
- 35226
- 35228
- 35229
- 35233
- 35234
- 35235
- 35242
- 35243
- 35244
- 35249
- 35254
- 35444