Alabama Mortgage Calculator
Estimate the monthly PITI payment on a Alabama home. Preseeded with the state’s 0.41% effective property-tax rate, $1,700 average annual insurance, and $230,000 median home price.
Advanced Options
- Principal & Interest
- $1,163
- Property Taxes
- $79
- Home Insurance
- $142
Alabama Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 0.41%
- Avg annual insurance
- $1,700
- Median home price
- $230,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable Alabama Rules
Alabama has one of the lowest effective property-tax rates in the country (~0.41%). Homestead exemptions reduce assessed value by $4,000 (state) plus county-specific add-ons; seniors 65+ may qualify for a full exemption from state property tax.
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Frequently Asked Questions
- Alabama's statewide effective property-tax rate is approximately 0.41% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.