2026 Mortgage Loan Limits for Pickens County, Alabama
Pickens County Loan Limits History
See how mortgage loan limits in this area have evolved over time. This historical chart shows conventional, FHA, VA, and USDA limits for 1-4 unit properties.
Pickens County Loan Limits: Complete Historical Table
Browse the full historical data for Pickens County mortgage loan limits from 1972 to 2026. This comprehensive table shows how loan limits have changed over 50+ years, helping you understand long-term trends in your local housing market.
| Year | Conventional | FHA | VA | USDA |
|---|---|---|---|---|
| 2026 | $832,750 | $541,275 | $832,750 | $433,020 |
| 2025 | $806,500 | $524,225 | $806,500 | $419,380 |
| 2024 | $766,550 | $498,257 | $766,550 | $398,606 |
| 2023 | $726,200 | $472,030 | $726,200 | $377,624 |
| 2022 | $647,200 | $420,680 | $647,200 | - |
| 2021 | $548,250 | $356,362 | $548,250 | - |
| 2020 | $510,400 | $331,760 | $510,400 | - |
| 2019 | $484,350 | $331,200 | $484,350 | - |
| 2018 | $453,100 | $331,200 | $453,100 | - |
| 2017 | $424,100 | $331,200 | $424,100 | - |
| 2016 | $417,000 | $331,200 | $417,000 | - |
| 2015 | $417,000 | $271,050 | $417,000 | - |
| 2014 | $417,000 | $271,050 | $417,000 | - |
| 2013 | $417,000 | $271,050 | $417,000 | - |
| 2012 | $417,000 | $271,050 | $417,000 | - |
| 2011 | $417,000 | $271,050 | $417,000 | - |
| 2010 | $417,000 | $271,050 | $417,000 | - |
| 2009 | $417,000 | $271,050 | $417,000 | - |
| 2008 | $417,000 | $200,160 | $417,000 | - |
Cities in Pickens County, Alabama
The following cities and communities are covered by Pickens County loan limits. Whether you're looking for mortgage loan limits in Aliceville, Carrollton, Ethelsville or any other Pickens County city, the same conventional, FHA, VA, and USDA loan limits apply throughout the county.
Pickens County, Alabama Mortgage Market Analysis (2018-2024)
Explore borrowing and mortgage trends in Pickens County, including conventional vs. government loan performance, average loan sizes, and market share shifts. Data sourced from HMDA regulatory filings shows how local lending patterns evolve through changing market conditions.
Loan Count by Loan Type (Pickens County, Alabama)
Number of mortgage loans originated by loan type (Conventional, FHA, VA, USDA) in Pickens County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 146 | 125 | 102 | ▼-18.40% |
| FHA | 26 | 39 | 41 | ▲5.13% |
| VA | 14 | 3 | 20 | ▲566.67% |
| USDA | 3 | 7 | 8 | ▲14.29% |
Market Share by Loan Type (Pickens County, Alabama)
Market share percentage by loan type (Conventional, FHA, VA, USDA) in Pickens County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 77.25% | 71.84% | 59.65% | ▼-12.19% |
| FHA | 13.76% | 22.41% | 23.98% | ▲1.57% |
| VA | 7.41% | 1.72% | 11.70% | ▲9.98% |
| USDA | 1.59% | 4.02% | 4.68% | ▲0.66% |
Average Loan-to-Value by Loan Type (Pickens County, Alabama)
Average loan-to-value ratio by loan type (Conventional, FHA, VA, USDA) in Pickens County from 2019-2024, showing the 1-year change from 2023 to 2024.
| Loan Type | 2019 | 2023 | 2024 | 1-Year Change |
|---|---|---|---|---|
| Conventional | 100.00% | 90.40% | 81.60% | ▼-8.80% |
| FHA | 90.80% | 92.30% | 95.30% | ▲3.00% |
| VA | 94.30% | 97.20% | 100.00% | ▲2.80% |
| USDA | 97.00% | 95.20% | 97.90% | ▲2.70% |
