Alabama home prices and mortgage costs
Typical home value $238,614 · +1.9% in a year · property tax 0.38%
Alabama ranks 44th most expensive of 51 states and D.C. Home values changed +1.9% over the past year and +16.8% over five years. Buying the typical home with 20% down costs about $1,480 a month at 7.11%, which needs a household income of about $63,400.
Cost of the typical Alabama home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $47,723 | $190,891 | $1,284 | $0 | $196 | $1,480 | $63,400 |
| 10% down | $23,861 | $214,753 | $1,445 | $89 | $196 | $1,730 | $74,100 |
| 5% down | $11,931 | $226,683 | $1,525 | $94 | $196 | $1,815 | $77,800 |
| 3.5% down (FHA) | $8,351 | $234,292 | $1,576 | $106 | $196 | $1,877 | $80,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.38% 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.
Check a specific budget: how much house you can afford in Alabama by salary · payment on a $250K home in Alabama
Home prices by county in Alabama
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Baldwin County | $371,447 | +0.1% | 0.3% | $2,278 | $97,600 |
| Shelby County | $359,660 | +2.3% | 0.44% | $2,246 | $96,300 |
| Lee County | $350,993 | +4.1% | 0.48% | $2,204 | $94,500 |
| Limestone County | $319,959 | +0.7% | 0.32% | $1,967 | $84,300 |
| Madison County | $311,524 | +1.2% | 0.4% | $1,935 | $82,900 |
| Saint Clair County | $279,967 | +3.5% | 0.32% | $1,721 | $73,800 |
| Elmore County | $272,853 | +4.3% | 0.27% | $1,667 | $71,400 |
| Autauga County | $265,448 | +3.8% | 0.3% | $1,628 | $69,800 |
| Tallapoosa County | $263,539 | -1.7% | 0.3% | $1,617 | $69,300 |
| Cullman County | $252,044 | +3.2% | 0.26% | $1,537 | $65,900 |
| Tuscaloosa County | $249,799 | +0.6% | 0.32% | $1,536 | $65,800 |
| Marshall County | $240,091 | +2.9% | 0.36% | $1,485 | $63,600 |
| Blount County | $235,551 | +2.1% | 0.3% | $1,444 | $61,900 |
| Cleburne County | $232,870 | +6.4% | 0.29% | $1,427 | $61,100 |
| Cherokee County | $229,115 | +0.8% | 0.38% | $1,421 | $60,900 |
| Morgan County | $227,725 | +0.7% | 0.34% | $1,404 | $60,200 |
| Lauderdale County | $227,549 | +3.2% | 0.38% | $1,410 | $60,400 |
| Chilton County | $221,906 | +6.3% | 0.33% | $1,367 | $58,600 |
| Bibb County | $220,480 | +3.6% | 0.2% | $1,334 | $57,200 |
| Lawrence County | $220,468 | +0.5% | 0.29% | $1,350 | $57,800 |
| De Kalb County | $215,383 | +5.2% | 0.32% | $1,325 | $56,800 |
| Jefferson County | $214,208 | +1.5% | 0.59% | $1,365 | $58,500 |
| Winston County | $207,200 | +6.5% | 0.32% | $1,274 | $54,600 |
| Randolph County | $207,016 | +4.3% | 0.25% | $1,261 | $54,000 |
| Houston County | $200,548 | +1.5% | 0.31% | $1,231 | $52,700 |
| Russell County | $197,342 | +4.5% | 0.38% | $1,223 | $52,400 |
| Colbert County | $196,003 | +2.0% | 0.4% | $1,218 | $52,200 |
| Mobile County | $195,684 | +0.4% | 0.47% | $1,227 | $52,600 |
| Henry County | $193,549 | +1.6% | 0.34% | $1,194 | $51,200 |
| Jackson County | $189,054 | -0.5% | 0.3% | $1,159 | $49,700 |
| Etowah County | $185,226 | +5.8% | 0.39% | $1,149 | $49,200 |
| Coosa County | $180,253 | +5.2% | 0.27% | $1,101 | $47,200 |
| Hale County | $178,463 | +5.8% | 0.32% | $1,097 | $47,000 |
| Talladega County | $177,293 | -0.7% | 0.36% | $1,097 | $47,000 |
| Coffee County | $177,245 | -2.2% | 0.36% | $1,096 | $47,000 |
| Clay County | $176,684 | +6.1% | 0.21% | $1,070 | $45,900 |
| Franklin County | $175,986 | -1.8% | 0.32% | $1,082 | $46,400 |
| Calhoun County | $170,425 | +4.4% | 0.42% | $1,062 | $45,500 |
| Geneva County | $165,106 | +2.8% | 0.34% | $1,018 | $43,600 |
| Washington County | $163,494 | +0.8% | 0.23% | $993 | $42,500 |
| Montgomery County | $163,380 | +1.8% | 0.41% | $1,017 | $43,600 |
| Dale County | $161,405 | +1.9% | 0.32% | $992 | $42,500 |
| Pike County | $161,037 | -2.9% | 0.27% | $983 | $42,100 |
| Walker County | $161,006 | +3.3% | 0.26% | $982 | $42,100 |
| Marion County | $159,195 | +0.7% | 0.28% | $974 | $41,700 |
| Barbour County | $156,274 | +6.2% | 0.41% | $972 | $41,700 |
| Escambia County | $149,519 | +4.9% | 0.39% | $928 | $39,800 |
| Covington County | $147,960 | -0.2% | 0.26% | $902 | $38,700 |
| Fayette County | $146,364 | +2.5% | 0.28% | $895 | $38,400 |
| Chambers County | $141,713 | +1.6% | 0.39% | $879 | $37,700 |
| Clarke County | $141,172 | +3.8% | 0.33% | $869 | $37,200 |
| Crenshaw County | $139,886 | +3.3% | 0.32% | $860 | $36,900 |
| Lowndes County | $139,599 | +2.4% | 0.39% | $866 | $37,100 |
| Monroe County | $139,546 | +4.0% | 0.32% | $857 | $36,700 |
| Wilcox County | $139,501 | +4.0% | 0.32% | $858 | $36,800 |
| Pickens County | $133,872 | -2.2% | 0.29% | $820 | $35,100 |
| Marengo County | $133,531 | -2.9% | 0.38% | $828 | $35,500 |
| Macon County | $132,876 | +3.5% | 0.5% | $837 | $35,900 |
| Conecuh County | $130,511 | +3.0% | 0.31% | $802 | $34,400 |
| Greene County | $129,488 | +6.7% | 0.55% | $821 | $35,200 |
| Lamar County | $129,031 | -2.5% | 0.24% | $785 | $33,600 |
| Perry County | $127,461 | -0.7% | 0.33% | $784 | $33,600 |
| Bullock County | $114,120 | -2.8% | 0.41% | $710 | $30,400 |
| Choctaw County | $113,788 | -5.9% | 0.17% | $685 | $29,400 |
| Butler County | $111,464 | +5.3% | 0.36% | $689 | $29,500 |
| Sumter County | $93,486 | -7.2% | 0.43% | $584 | $25,000 |
| Dallas County | $84,756 | +3.4% | 0.41% | $528 | $22,600 |
Metro areas in Alabama
Frequently asked questions
What is the average home price in Alabama?
The typical home in Alabama is worth $238,614 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Alabama?
About $63,400 a year to buy the typical $238,614 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Alabama?
The typical effective rate is 0.38% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).