Jefferson County, Alabama home prices
Typical home $214,208 · +1.5% in a year · property tax 0.59%
The typical home in Jefferson County is worth $214,208, 10% less than the Alabama typical home ($238,614). Values changed +1.5% in the past year and +14.3% over five years. Homeowners here pay a median 0.59% of their home's value in property tax each year ($1,258 on the typical home), versus 0.38% statewide.
Mortgage on the typical Jefferson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $42,842 | $171,366 | $1,153 | $0 | $212 | $1,365 | $58,500 |
| 10% down | $21,421 | $192,787 | $1,297 | $80 | $212 | $1,589 | $68,100 |
| 5% down | $10,710 | $203,498 | $1,369 | $85 | $212 | $1,666 | $71,400 |
| 3.5% down (FHA) | $7,497 | $210,328 | $1,415 | $95 | $212 | $1,722 | $73,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.59% 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 |
|---|---|---|---|
| De Kalb County | $215,383 | +5.2% | 0.32% |
| Lawrence County | $220,468 | +0.5% | 0.29% |
| Bibb County | $220,480 | +3.6% | 0.2% |
| Winston County | $207,200 | +6.5% | 0.32% |
| Randolph County | $207,016 | +4.3% | 0.25% |
| Chilton County | $221,906 | +6.3% | 0.33% |
| Lauderdale County | $227,549 | +3.2% | 0.38% |
| Morgan County | $227,725 | +0.7% | 0.34% |
| Houston County | $200,548 | +1.5% | 0.31% |
| Cherokee County | $229,115 | +0.8% | 0.38% |
Frequently asked questions
What is the average home price in Jefferson County, AL?
The typical home value in Jefferson County is $214,208 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jefferson County?
About $58,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jefferson County?
The median effective rate is 0.59% of home value a year (Census ACS 2024 5-year estimates).