Chilton County, Alabama home prices
Typical home $221,906 · +6.3% in a year · property tax 0.33%
The typical home in Chilton County is worth $221,906, 7% less than the Alabama typical home ($238,614). Values changed +6.3% in the past year and +20.9% over five years. Homeowners here pay a median 0.33% of their home's value in property tax each year ($739 on the typical home), versus 0.38% statewide.
Mortgage on the typical Chilton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $44,381 | $177,525 | $1,194 | $0 | $173 | $1,367 | $58,600 |
| 10% down | $22,191 | $199,715 | $1,343 | $83 | $173 | $1,599 | $68,500 |
| 5% down | $11,095 | $210,810 | $1,418 | $88 | $173 | $1,678 | $71,900 |
| 3.5% down (FHA) | $7,767 | $217,886 | $1,466 | $98 | $173 | $1,736 | $74,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.33% 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.
What it takes: see what you can afford by salary in Alabama · part of the Birmingham metro area.
Alabama counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bibb County | $220,480 | +3.6% | 0.2% |
| Lawrence County | $220,468 | +0.5% | 0.29% |
| Lauderdale County | $227,549 | +3.2% | 0.38% |
| Morgan County | $227,725 | +0.7% | 0.34% |
| De Kalb County | $215,383 | +5.2% | 0.32% |
| Cherokee County | $229,115 | +0.8% | 0.38% |
| Jefferson County | $214,208 | +1.5% | 0.59% |
| Cleburne County | $232,870 | +6.4% | 0.29% |
| Blount County | $235,551 | +2.1% | 0.3% |
| Winston County | $207,200 | +6.5% | 0.32% |
Frequently asked questions
What is the average home price in Chilton County, AL?
The typical home value in Chilton County is $221,906 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Chilton County?
About $58,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Chilton County?
The median effective rate is 0.33% of home value a year (Census ACS 2024 5-year estimates).