Lauderdale County, Alabama home prices
Typical home $227,549 · +3.2% in a year · property tax 0.38%
The typical home in Lauderdale County is worth $227,549, 5% less than the Alabama typical home ($238,614). Values changed +3.2% in the past year and +24.5% over five years. Homeowners here pay a median 0.38% of their home's value in property tax each year ($860 on the typical home), versus 0.38% statewide.
Mortgage on the typical Lauderdale County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,510 | $182,039 | $1,225 | $0 | $185 | $1,410 | $60,400 |
| 10% down | $22,755 | $204,794 | $1,378 | $85 | $185 | $1,648 | $70,600 |
| 5% down | $11,377 | $216,171 | $1,454 | $90 | $185 | $1,730 | $74,100 |
| 3.5% down (FHA) | $7,964 | $223,427 | $1,503 | $101 | $185 | $1,789 | $76,700 |
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.
What it takes: see what you can afford by salary in Alabama · part of the Florence metro area.
Alabama counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Morgan County | $227,725 | +0.7% | 0.34% |
| Cherokee County | $229,115 | +0.8% | 0.38% |
| Cleburne County | $232,870 | +6.4% | 0.29% |
| Chilton County | $221,906 | +6.3% | 0.33% |
| Bibb County | $220,480 | +3.6% | 0.2% |
| Lawrence County | $220,468 | +0.5% | 0.29% |
| Blount County | $235,551 | +2.1% | 0.3% |
| De Kalb County | $215,383 | +5.2% | 0.32% |
| Marshall County | $240,091 | +2.9% | 0.36% |
| Jefferson County | $214,208 | +1.5% | 0.59% |
Frequently asked questions
What is the average home price in Lauderdale County, AL?
The typical home value in Lauderdale County is $227,549 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lauderdale County?
About $60,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lauderdale County?
The median effective rate is 0.38% of home value a year (Census ACS 2024 5-year estimates).