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 6.66% (30-yr fixed), including Alabama property tax and insurance. Data through 2026-06.

1. Prichard — typical home $57K, income to buy about $15,000/yr
2. Selma — typical home $80K, income to buy about $21,000/yr
3. Gadsden — typical home $120K, income to buy about $32,000/yr
4. Bessemer — typical home $136K, income to buy about $36,000/yr
5. Birmingham — typical home $140K, income to buy about $37,000/yr
6. Talladega — typical home $145K, income to buy about $39,000/yr
7. Saks — typical home $146K, income to buy about $39,000/yr
8. Anniston — typical home $150K, income to buy about $40,000/yr
9. Ozark — typical home $150K, income to buy about $40,000/yr
10. Montgomery — typical home $154K, income to buy about $41,000/yr
11. Center Point — typical home $160K, income to buy about $43,000/yr
12. Hueytown — typical home $168K, income to buy about $45,000/yr
13. Jasper — typical home $169K, income to buy about $45,000/yr
14. Sylacauga — typical home $169K, income to buy about $45,000/yr
15. Eufaula — typical home $171K, income to buy about $46,000/yr
16. Russellville — typical home $182K, income to buy about $48,000/yr
17. Valley — typical home $182K, income to buy about $49,000/yr
18. Troy — typical home $185K, income to buy about $49,000/yr
19. Oxford — typical home $199K, income to buy about $53,000/yr
20. Mobile — typical home $199K, income to buy about $53,000/yr
21. Alexander City — typical home $205K, income to buy about $55,000/yr
22. Dothan — typical home $208K, income to buy about $55,000/yr
23. Fort Payne — typical home $210K, income to buy about $56,000/yr
24. Enterprise — typical home $213K, income to buy about $57,000/yr
25. Phenix City — typical home $215K, income to buy about $57,000/yr

At the other end, Alabama's priciest markets: Mountain Brook ($284,000/yr), Homewood ($154,000/yr), Vestavia Hills ($154,000/yr), Fairhope ($126,000/yr), Gulf Shores ($122,000/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.