Etowah County, Alabama home prices
Typical home $185,226 · +5.8% in a year · property tax 0.39%
The typical home in Etowah County is worth $185,226, 22% less than the Alabama typical home ($238,614). Values changed +5.8% in the past year and +23.0% over five years. Homeowners here pay a median 0.39% of their home's value in property tax each year ($715 on the typical home), versus 0.38% statewide.
Mortgage on the typical Etowah County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $37,045 | $148,181 | $997 | $0 | $152 | $1,149 | $49,200 |
| 10% down | $18,523 | $166,704 | $1,121 | $69 | $152 | $1,343 | $57,600 |
| 5% down | $9,261 | $175,965 | $1,184 | $73 | $152 | $1,409 | $60,400 |
| 3.5% down (FHA) | $6,483 | $181,871 | $1,223 | $82 | $152 | $1,458 | $62,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.39% 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 Gadsden metro area.
Alabama counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jackson County | $189,054 | -0.5% | 0.3% |
| Coosa County | $180,253 | +5.2% | 0.27% |
| Hale County | $178,463 | +5.8% | 0.32% |
| Talladega County | $177,293 | -0.7% | 0.36% |
| Coffee County | $177,245 | -2.2% | 0.36% |
| Henry County | $193,549 | +1.6% | 0.34% |
| Clay County | $176,684 | +6.1% | 0.21% |
| Franklin County | $175,986 | -1.8% | 0.32% |
| Mobile County | $195,684 | +0.4% | 0.47% |
| Colbert County | $196,003 | +2.0% | 0.4% |
Frequently asked questions
What is the average home price in Etowah County, AL?
The typical home value in Etowah County is $185,226 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Etowah County?
About $49,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Etowah County?
The median effective rate is 0.39% of home value a year (Census ACS 2024 5-year estimates).