Shelby County, Alabama home prices
Typical home $359,660 · +2.3% in a year · property tax 0.44%
The typical home in Shelby County is worth $359,660, 51% more than the Alabama typical home ($238,614). Values changed +2.3% in the past year and +18.1% over five years. Homeowners here pay a median 0.44% of their home's value in property tax each year ($1,569 on the typical home), versus 0.38% statewide.
Mortgage on the typical Shelby County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $71,932 | $287,728 | $1,936 | $0 | $311 | $2,246 | $96,300 |
| 10% down | $35,966 | $323,694 | $2,178 | $135 | $311 | $2,623 | $112,400 |
| 5% down | $17,983 | $341,677 | $2,298 | $142 | $311 | $2,751 | $117,900 |
| 3.5% down (FHA) | $12,588 | $353,146 | $2,376 | $159 | $311 | $2,845 | $121,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.44% 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 |
|---|---|---|---|
| Lee County | $350,993 | +4.1% | 0.48% |
| Baldwin County | $371,447 | +0.1% | 0.3% |
| Limestone County | $319,959 | +0.7% | 0.32% |
| Madison County | $311,524 | +1.2% | 0.4% |
| Saint Clair County | $279,967 | +3.5% | 0.32% |
| Elmore County | $272,853 | +4.3% | 0.27% |
| Autauga County | $265,448 | +3.8% | 0.3% |
| Tallapoosa County | $263,539 | -1.7% | 0.3% |
| Cullman County | $252,044 | +3.2% | 0.26% |
| Tuscaloosa County | $249,799 | +0.6% | 0.32% |
Frequently asked questions
What is the average home price in Shelby County, AL?
The typical home value in Shelby County is $359,660 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Shelby County?
About $96,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Shelby County?
The median effective rate is 0.44% of home value a year (Census ACS 2024 5-year estimates).