Scottsboro, AL home prices
Typical home $189,084 · -0.5% in a year · income needed $49,700
The Scottsboro, AL metro area ranks 684 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.5% in a year and +19.8% over five years. With 20% down at 7.11%, the typical home costs about $1,160 a month including 0.3% property tax (Jackson County rate).
Mortgage on the typical Scottsboro home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $37,817 | $151,267 | $1,018 | $0 | $142 | $1,160 | $49,700 |
| 10% down | $18,908 | $170,175 | $1,145 | $71 | $142 | $1,358 | $58,200 |
| 5% down | $9,454 | $179,630 | $1,208 | $75 | $142 | $1,425 | $61,100 |
| 3.5% down (FHA) | $6,618 | $185,659 | $1,249 | $84 | $142 | $1,475 | $63,200 |
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 Scottsboro area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jackson County, AL | $189,054 | -0.5% | 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 Scottsboro?
The typical home in the Scottsboro, AL metro area is worth $189,084 (Zillow, September 2026).
What salary do you need to buy a house in Scottsboro?
About $49,700 a year for the typical home with 20% down at 7.11%.