Sumter County, Alabama home prices
Typical home $93,486 · -7.2% in a year · property tax 0.43%
The typical home in Sumter County is worth $93,486, 61% less than the Alabama typical home ($238,614). Values changed -7.2% in the past year and -9.9% over five years. Homeowners here pay a median 0.43% of their home's value in property tax each year ($406 on the typical home), versus 0.38% statewide.
Mortgage on the typical Sumter County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $18,697 | $74,789 | $503 | $0 | $81 | $584 | $25,000 |
| 10% down | $9,349 | $84,138 | $566 | $35 | $81 | $682 | $29,200 |
| 5% down | $4,674 | $88,812 | $597 | $37 | $81 | $715 | $30,600 |
| 3.5% down (FHA) | $3,272 | $91,793 | $617 | $41 | $81 | $739 | $31,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.43% 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.
Alabama counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Dallas County | $84,756 | +3.4% | 0.41% |
| Butler County | $111,464 | +5.3% | 0.36% |
| Choctaw County | $113,788 | -5.9% | 0.17% |
| Bullock County | $114,120 | -2.8% | 0.41% |
| Perry County | $127,461 | -0.7% | 0.33% |
| Lamar County | $129,031 | -2.5% | 0.24% |
| Greene County | $129,488 | +6.7% | 0.55% |
| Conecuh County | $130,511 | +3.0% | 0.31% |
| Macon County | $132,876 | +3.5% | 0.5% |
| Marengo County | $133,531 | -2.9% | 0.38% |
Frequently asked questions
What is the average home price in Sumter County, AL?
The typical home value in Sumter County is $93,486 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Sumter County?
About $25,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Sumter County?
The median effective rate is 0.43% of home value a year (Census ACS 2024 5-year estimates).