How much house can I afford on $180,000 in Alabama?
About $677,000 with 20% down ($534,000 with an FHA loan), using Alabama's 0.38% property tax rate.
That is $438,646 more than the typical Alabama home ($238,614), so a $180,000 salary can buy a typical home here. The payment of $4,200 covers $3,645 principal and interest, $217 property tax and $339 insurance.
Counties in Alabama you can afford on $180,000
67 of 67 counties have a typical home value at or below $677,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Baldwin County | $371,447 | +0.1% | 0.3% |
| Shelby County | $359,660 | +2.3% | 0.44% |
| Lee County | $350,993 | +4.1% | 0.48% |
| Limestone County | $319,959 | +0.7% | 0.32% |
| Madison County | $311,524 | +1.2% | 0.4% |
| Saint Clair County | $279,967 | +3.5% | 0.32% |
| Elmore County | $272,853 | +4.3% | 0.27% |
| Autauga County | $265,448 | +3.8% | 0.3% |
| Tallapoosa County | $263,539 | -1.7% | 0.3% |
| Cullman County | $252,044 | +3.2% | 0.26% |
| Tuscaloosa County | $249,799 | +0.6% | 0.32% |
| Marshall County | $240,091 | +2.9% | 0.36% |
| Blount County | $235,551 | +2.1% | 0.3% |
| Cleburne County | $232,870 | +6.4% | 0.29% |
| Cherokee County | $229,115 | +0.8% | 0.38% |
| Morgan County | $227,725 | +0.7% | 0.34% |
| Lauderdale County | $227,549 | +3.2% | 0.38% |
| Chilton County | $221,906 | +6.3% | 0.33% |
| Bibb County | $220,480 | +3.6% | 0.2% |
| Lawrence County | $220,468 | +0.5% | 0.29% |
| De Kalb County | $215,383 | +5.2% | 0.32% |
| Jefferson County | $214,208 | +1.5% | 0.59% |
| Winston County | $207,200 | +6.5% | 0.32% |
| Randolph County | $207,016 | +4.3% | 0.25% |
| Houston County | $200,548 | +1.5% | 0.31% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.38% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Alabama
Frequently asked questions
How much house can I afford on $180,000 in Alabama?
About $677,000 with 20% down at 7.11%, keeping the payment (with Alabama's 0.38% property tax and insurance) under $4,200 a month.
Is $180,000 enough to buy a house in Alabama?
Yes: the typical Alabama home is worth $238,614 (Zillow, September 2026) and $180,000 supports about $677,000. 67 of 67 counties are within budget.