Birmingham, AL home prices
Typical home $260,710 · +2.4% in a year · income needed $71,200
The Birmingham, AL metro area ranks 417 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.4% in a year and +16.1% over five years. With 20% down at 7.11%, the typical home costs about $1,661 a month including 0.59% property tax (Jefferson County rate).
Mortgage on the typical Birmingham home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,142 | $208,568 | $1,403 | $0 | $258 | $1,661 | $71,200 |
| 10% down | $26,071 | $234,639 | $1,578 | $98 | $258 | $1,934 | $82,900 |
| 5% down | $13,035 | $247,674 | $1,666 | $103 | $258 | $2,027 | $86,900 |
| 3.5% down (FHA) | $9,125 | $255,988 | $1,722 | $115 | $258 | $2,095 | $89,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.59% 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.
Counties in the Birmingham area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jefferson County, AL | $214,208 | +1.5% | 0.59% |
| Shelby County, AL | $359,660 | +2.3% | 0.44% |
| Saint Clair County, AL | $279,967 | +3.5% | 0.32% |
| Blount County, AL | $235,551 | +2.1% | 0.3% |
| Chilton County, AL | $221,906 | +6.3% | 0.33% |
| Bibb County, AL | $220,480 | +3.6% | 0.2% |
What can you afford in Alabama on your salary? · Alabama home prices · Salaries in Alabama
Frequently asked questions
How much is a house in Birmingham?
The typical home in the Birmingham, AL metro area is worth $260,710 (Zillow, September 2026).
What salary do you need to buy a house in Birmingham?
About $71,200 a year for the typical home with 20% down at 7.11%.