Mobile County, Alabama home prices
Typical home $195,684 · +0.4% in a year · property tax 0.47%
The typical home in Mobile County is worth $195,684, 18% less than the Alabama typical home ($238,614). Values changed +0.4% in the past year and +17.5% over five years. Homeowners here pay a median 0.47% of their home's value in property tax each year ($911 on the typical home), versus 0.38% statewide.
Mortgage on the typical Mobile County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $39,137 | $156,547 | $1,053 | $0 | $174 | $1,227 | $52,600 |
| 10% down | $19,568 | $176,116 | $1,185 | $73 | $174 | $1,432 | $61,400 |
| 5% down | $9,784 | $185,900 | $1,251 | $77 | $174 | $1,502 | $64,400 |
| 3.5% down (FHA) | $6,849 | $192,140 | $1,293 | $87 | $174 | $1,553 | $66,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.47% 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 Mobile metro area.
Alabama counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Colbert County | $196,003 | +2.0% | 0.4% |
| Russell County | $197,342 | +4.5% | 0.38% |
| Henry County | $193,549 | +1.6% | 0.34% |
| Houston County | $200,548 | +1.5% | 0.31% |
| Jackson County | $189,054 | -0.5% | 0.3% |
| Etowah County | $185,226 | +5.8% | 0.39% |
| Randolph County | $207,016 | +4.3% | 0.25% |
| Winston County | $207,200 | +6.5% | 0.32% |
| Coosa County | $180,253 | +5.2% | 0.27% |
| Hale County | $178,463 | +5.8% | 0.32% |
Frequently asked questions
What is the average home price in Mobile County, AL?
The typical home value in Mobile County is $195,684 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Mobile County?
About $52,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Mobile County?
The median effective rate is 0.47% of home value a year (Census ACS 2024 5-year estimates).