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 6.76% (30-yr fixed), including Alabama property tax and insurance. Data through 2026-07.

  1. Prichard — typical home $59K, income to buy about $16,000/yr
  2. Selma — typical home $78K, income to buy about $21,000/yr
  3. Gadsden — typical home $117K, income to buy about $31,000/yr
  4. Bessemer — typical home $133K, income to buy about $36,000/yr
  5. Birmingham — typical home $137K, income to buy about $37,000/yr
  6. Saks — typical home $143K, income to buy about $39,000/yr
  7. Anniston — typical home $147K, income to buy about $39,000/yr
  8. Talladega — typical home $148K, income to buy about $40,000/yr
  9. Ozark — typical home $149K, income to buy about $40,000/yr
  10. Montgomery — typical home $152K, income to buy about $41,000/yr
  11. Center Point — typical home $155K, income to buy about $42,000/yr
  12. Hueytown — typical home $164K, income to buy about $44,000/yr
  13. Sylacauga — typical home $164K, income to buy about $44,000/yr
  14. Eufaula — typical home $169K, income to buy about $46,000/yr
  15. Valley — typical home $178K, income to buy about $48,000/yr
  16. Russellville — typical home $181K, income to buy about $49,000/yr
  17. Troy — typical home $187K, income to buy about $50,000/yr
  18. Oxford — typical home $198K, income to buy about $53,000/yr
  19. Mobile — typical home $199K, income to buy about $54,000/yr
  20. Alexander City — typical home $204K, income to buy about $55,000/yr
  21. Jasper — typical home $204K, income to buy about $55,000/yr
  22. Dothan — typical home $208K, income to buy about $56,000/yr
  23. Fort Payne — typical home $210K, income to buy about $56,000/yr
  24. Enterprise — typical home $212K, income to buy about $57,000/yr
  25. Phenix City — typical home $212K, income to buy about $57,000/yr

At the other end, Alabama's priciest markets: Mountain Brook ($288,000/yr), Homewood ($155,000/yr), Vestavia Hills ($154,000/yr), Fairhope ($127,000/yr), Gulf Shores ($123,000/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.

i wanna buy a house .com — type a city, see its market, find out what you can afford.