Alabama Mortgage Calculator
Estimate your monthly payment in Alabama — including property tax (0.4% effective rate), home insurance, and PMI. Pre-filled with Alabama averages for 2026.
= $45,000 down
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Mortgage costs in Alabama
The average Alabama homeowner pays roughly $75/month in property tax on a median-priced home, plus about $150/month in home insurance. Property tax is billed by your county — actual rates vary from the state average, so check your county assessor's site for exact figures.
How much house can I afford in Alabama?
A common rule is to keep total housing costs (PITI) under 28% of gross monthly income. At current rates, buying the median Alabama home ($225,000) with 20% down requires roughly $59,678 in annual income.