Tuscaloosa County, Alabama home prices
Typical home $249,799 · +0.6% in a year · property tax 0.32%
The typical home in Tuscaloosa County is worth $249,799, 5% more than the Alabama typical home ($238,614). Values changed +0.6% in the past year and +15.7% over five years. Homeowners here pay a median 0.32% of their home's value in property tax each year ($799 on the typical home), versus 0.38% statewide.
Mortgage on the typical Tuscaloosa County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $49,960 | $199,839 | $1,344 | $0 | $191 | $1,536 | $65,800 |
| 10% down | $24,980 | $224,819 | $1,512 | $94 | $191 | $1,797 | $77,000 |
| 5% down | $12,490 | $237,309 | $1,596 | $99 | $191 | $1,887 | $80,900 |
| 3.5% down (FHA) | $8,743 | $245,275 | $1,650 | $110 | $191 | $1,952 | $83,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.32% 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 Tuscaloosa metro area.
Alabama counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cullman County | $252,044 | +3.2% | 0.26% |
| Marshall County | $240,091 | +2.9% | 0.36% |
| Tallapoosa County | $263,539 | -1.7% | 0.3% |
| Blount County | $235,551 | +2.1% | 0.3% |
| Autauga County | $265,448 | +3.8% | 0.3% |
| Cleburne County | $232,870 | +6.4% | 0.29% |
| Cherokee County | $229,115 | +0.8% | 0.38% |
| Morgan County | $227,725 | +0.7% | 0.34% |
| Lauderdale County | $227,549 | +3.2% | 0.38% |
| Elmore County | $272,853 | +4.3% | 0.27% |
Frequently asked questions
What is the average home price in Tuscaloosa County, AL?
The typical home value in Tuscaloosa County is $249,799 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Tuscaloosa County?
About $65,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Tuscaloosa County?
The median effective rate is 0.32% of home value a year (Census ACS 2024 5-year estimates).