Huntsville, AL home prices
Typical home $313,528 · +1.1% in a year · income needed $83,500
The Huntsville, AL metro area ranks 294 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.1% in a year and +14.3% over five years. With 20% down at 7.11%, the typical home costs about $1,948 a month including 0.4% property tax (Madison County rate).
Mortgage on the typical Huntsville home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $62,706 | $250,823 | $1,687 | $0 | $260 | $1,948 | $83,500 |
| 10% down | $31,353 | $282,175 | $1,898 | $118 | $260 | $2,276 | $97,500 |
| 5% down | $15,676 | $297,852 | $2,004 | $124 | $260 | $2,388 | $102,300 |
| 3.5% down (FHA) | $10,973 | $307,850 | $2,071 | $139 | $260 | $2,470 | $105,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.4% 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 Huntsville area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Madison County, AL | $311,524 | +1.2% | 0.4% |
| Limestone County, AL | $319,959 | +0.7% | 0.32% |
What can you afford in Alabama on your salary? · Alabama home prices · Salaries in Alabama
Frequently asked questions
How much is a house in Huntsville?
The typical home in the Huntsville, AL metro area is worth $313,528 (Zillow, September 2026).
What salary do you need to buy a house in Huntsville?
About $83,500 a year for the typical home with 20% down at 7.11%.