Talladega, AL home prices
Typical home $177,421 · -0.7% in a year · income needed $47,000
The Talladega, AL metro area ranks 728 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.7% in a year and +12.3% over five years. With 20% down at 7.11%, the typical home costs about $1,097 a month including 0.36% property tax (Talladega County rate).
Mortgage on the typical Talladega home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,484 | $141,937 | $955 | $0 | $143 | $1,097 | $47,000 |
| 10% down | $17,742 | $159,679 | $1,074 | $67 | $143 | $1,283 | $55,000 |
| 5% down | $8,871 | $168,550 | $1,134 | $70 | $143 | $1,347 | $57,700 |
| 3.5% down (FHA) | $6,210 | $174,208 | $1,172 | $78 | $143 | $1,393 | $59,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.36% 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 Talladega area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Talladega County, AL | $177,293 | -0.7% | 0.36% |
What can you afford in Alabama on your salary? · Alabama home prices · Salaries in Alabama
Frequently asked questions
How much is a house in Talladega?
The typical home in the Talladega, AL metro area is worth $177,421 (Zillow, September 2026).
What salary do you need to buy a house in Talladega?
About $47,000 a year for the typical home with 20% down at 7.11%.