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 7.03% (30-yr fixed), including Alabama property tax and insurance. Data through 2026-08.

1. Prichard — typical home $57K, income to buy about $16,000/yr
2. Selma — typical home $77K, income to buy about $21,000/yr
3. Gadsden — typical home $117K, income to buy about $32,000/yr
4. Bessemer — typical home $134K, income to buy about $37,000/yr
5. Birmingham — typical home $137K, income to buy about $38,000/yr
6. Saks — typical home $143K, income to buy about $39,000/yr
7. Anniston — typical home $147K, income to buy about $40,000/yr
8. Talladega — typical home $150K, income to buy about $41,000/yr
9. Ozark — typical home $150K, income to buy about $41,000/yr
10. Montgomery — typical home $153K, income to buy about $42,000/yr
11. Center Point — typical home $157K, income to buy about $43,000/yr
12. Hueytown — typical home $164K, income to buy about $45,000/yr
13. Sylacauga — typical home $167K, income to buy about $46,000/yr
14. Eufaula — typical home $169K, income to buy about $46,000/yr
15. Russellville — typical home $179K, income to buy about $49,000/yr
16. Valley — typical home $180K, income to buy about $49,000/yr
17. Troy — typical home $188K, income to buy about $52,000/yr
18. Oxford — typical home $198K, income to buy about $54,000/yr
19. Mobile — typical home $198K, income to buy about $55,000/yr
20. Alexander City — typical home $204K, income to buy about $56,000/yr
21. Jasper — typical home $204K, income to buy about $56,000/yr
22. Dothan — typical home $207K, income to buy about $57,000/yr
23. Enterprise — typical home $209K, income to buy about $57,000/yr
24. Fort Payne — typical home $211K, income to buy about $58,000/yr
25. Albertville — typical home $214K, income to buy about $59,000/yr

At the other end, Alabama's priciest markets: Mountain Brook ($289,000/yr), Homewood ($157,000/yr), Vestavia Hills ($156,000/yr), Fairhope ($129,000/yr), Gulf Shores ($124,000/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.