Ozark, AL home prices
Typical home $161,381 · +1.9% in a year · income needed $42,500
The Ozark, AL metro area ranks 788 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.9% in a year and +22.0% over five years. With 20% down at 7.11%, the typical home costs about $992 a month including 0.32% property tax (Dale County rate).
Mortgage on the typical Ozark home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $32,276 | $129,105 | $868 | $0 | $124 | $992 | $42,500 |
| 10% down | $16,138 | $145,243 | $977 | $61 | $124 | $1,161 | $49,800 |
| 5% down | $8,069 | $153,312 | $1,031 | $64 | $124 | $1,219 | $52,200 |
| 3.5% down (FHA) | $5,648 | $158,458 | $1,066 | $71 | $124 | $1,261 | $54,000 |
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.
Counties in the Ozark area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Dale County, AL | $161,405 | +1.9% | 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 Ozark?
The typical home in the Ozark, AL metro area is worth $161,381 (Zillow, September 2026).
What salary do you need to buy a house in Ozark?
About $42,500 a year for the typical home with 20% down at 7.11%.