The most affordable cities to buy a house in Alabama (2026)

Every Alabama city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 7.24% (30-yr fixed), including Alabama property tax and insurance. Data through 2026-09.

1. Prichard — typical home $56K, income to buy about $16,000/yr
2. Selma — typical home $73K, income to buy about $21,000/yr
3. Gadsden — typical home $115K, income to buy about $32,000/yr
4. Bessemer — typical home $132K, income to buy about $37,000/yr
5. Birmingham — typical home $134K, income to buy about $38,000/yr
6. Saks — typical home $142K, income to buy about $40,000/yr
7. Talladega — typical home $144K, income to buy about $40,000/yr
8. Anniston — typical home $146K, income to buy about $41,000/yr
9. Ozark — typical home $148K, income to buy about $41,000/yr
10. Montgomery — typical home $150K, income to buy about $42,000/yr
11. Center Point — typical home $155K, income to buy about $43,000/yr
12. Sylacauga — typical home $161K, income to buy about $45,000/yr
13. Hueytown — typical home $163K, income to buy about $46,000/yr
14. Eufaula — typical home $170K, income to buy about $48,000/yr
15. Valley — typical home $177K, income to buy about $50,000/yr
16. Russellville — typical home $178K, income to buy about $50,000/yr
17. Troy — typical home $181K, income to buy about $51,000/yr
18. Mobile — typical home $197K, income to buy about $55,000/yr
19. Oxford — typical home $197K, income to buy about $55,000/yr
20. Jasper — typical home $200K, income to buy about $56,000/yr
21. Alexander City — typical home $200K, income to buy about $56,000/yr
22. Dothan — typical home $204K, income to buy about $57,000/yr
23. Fort Payne — typical home $205K, income to buy about $57,000/yr
24. Enterprise — typical home $206K, income to buy about $58,000/yr
25. Scottsboro — typical home $212K, income to buy about $59,000/yr

At the other end, Alabama's priciest markets: Mountain Brook ($295,000/yr), Homewood ($159,000/yr), Vestavia Hills ($158,000/yr), Fairhope ($132,000/yr), Gulf Shores ($127,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

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