Daphne, AL home prices
Typical home $371,460 · +0.1% in a year · income needed $97,700
The Daphne, AL metro area ranks 190 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.1% in a year and +16.5% over five years. With 20% down at 7.11%, the typical home costs about $2,279 a month including 0.3% property tax (Baldwin County rate).
Mortgage on the typical Daphne home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $74,292 | $297,168 | $1,999 | $0 | $280 | $2,279 | $97,700 |
| 10% down | $37,146 | $334,314 | $2,249 | $139 | $280 | $2,668 | $114,300 |
| 5% down | $18,573 | $352,887 | $2,374 | $147 | $280 | $2,800 | $120,000 |
| 3.5% down (FHA) | $13,001 | $364,732 | $2,454 | $164 | $280 | $2,897 | $124,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.3% 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 Daphne area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Baldwin County, AL | $371,447 | +0.1% | 0.3% |
What can you afford in Alabama on your salary? · Alabama home prices · Salaries in Alabama
Frequently asked questions
How much is a house in Daphne?
The typical home in the Daphne, AL metro area is worth $371,460 (Zillow, September 2026).
What salary do you need to buy a house in Daphne?
About $97,700 a year for the typical home with 20% down at 7.11%.