De Kalb County, Alabama home prices
Typical home $215,383 · +5.2% in a year · property tax 0.32%
The typical home in De Kalb County is worth $215,383, 10% less than the Alabama typical home ($238,614). Values changed +5.2% in the past year and +24.5% over five years. Homeowners here pay a median 0.32% of their home's value in property tax each year ($700 on the typical home), versus 0.38% statewide.
Mortgage on the typical De Kalb County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $43,077 | $172,307 | $1,159 | $0 | $166 | $1,325 | $56,800 |
| 10% down | $21,538 | $193,845 | $1,304 | $81 | $166 | $1,551 | $66,500 |
| 5% down | $10,769 | $204,614 | $1,376 | $85 | $166 | $1,628 | $69,800 |
| 3.5% down (FHA) | $7,538 | $211,482 | $1,423 | $95 | $166 | $1,684 | $72,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.32% 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.
Alabama counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jefferson County | $214,208 | +1.5% | 0.59% |
| Lawrence County | $220,468 | +0.5% | 0.29% |
| Bibb County | $220,480 | +3.6% | 0.2% |
| Chilton County | $221,906 | +6.3% | 0.33% |
| Winston County | $207,200 | +6.5% | 0.32% |
| Randolph County | $207,016 | +4.3% | 0.25% |
| Lauderdale County | $227,549 | +3.2% | 0.38% |
| Morgan County | $227,725 | +0.7% | 0.34% |
| Cherokee County | $229,115 | +0.8% | 0.38% |
| Houston County | $200,548 | +1.5% | 0.31% |
Frequently asked questions
What is the average home price in De Kalb County, AL?
The typical home value in De Kalb County is $215,383 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in De Kalb County?
About $56,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in De Kalb County?
The median effective rate is 0.32% of home value a year (Census ACS 2024 5-year estimates).