Español

Este sitio también está en español. Leer en español

City · 22,813 residents · Marshall County, Alabama

Albertville , Alabama

In Albertville, a typical home is worth $188,400 and typical rent is $872 a month. Compared with all of Marshall County, typical household income is 10% lower, typical rent is 10% higher, and the share of households that own their home is 6 points lower.

WhatsApp

  • Typical home value

    $188,400

    7% below the county

    10% below Alabama

    • Albertville
    • Marshall
    • Alabama

  • Typical rent

    $872a month

    10% above the county

    13% below Alabama

    • Albertville
    • Marshall
    • Alabama

  • Typical household income

    $56,099a year

    10% below the county

    12% below Alabama

    • Albertville
    • Marshall
    • Alabama

  • Households that own their home

    70%

    6 points below the county

    About the same as Alabama

    • Albertville
    • Marshall
    • Alabama

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$213,401
2.6% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Albertville is in Marshall County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Marshall County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Albertville apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Gadsden, the typical home value is $116,800: 38% less than in Albertville ($188,400).

  2. Nearby, in Boaz, the typical rent is $663: 24% less than in Albertville ($872).

  3. 70% of households in Albertville own their home, against 76% in Marshall County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Albertville

What homes there are in Albertville, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Albertville, 8 in 10 homes are single-family detached houses; in Marshall County, 8.

Year built

Homes in Albertville are older: the typical year built is 1980; in Marshall County, 1986.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for Marshall County is $541,287, and about 97% of owner-occupied homes in Albertville are worth less than that.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Marshall County is $925: about 56% of rents in Albertville are below it.

With a mortgage

$1,262 a month

Marshall County: $1,308 a month

Without a mortgage

$389 a month

Marshall County: $394 a month

Owners with a mortgage

52%

Marshall County: 53%

The typical cost for an owner with a mortgage in Albertville is $1,262 a month, near the figure in Marshall County ($1,308).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in Albertville rose at about the same pace as in Marshall County: 57% against 56%.

Rents in Albertville rose faster than in Marshall County: 30% since 2015–2019, against 23%.

Housing prices ran ahead of income in Albertville: typical income rose 22%, against +57% for home values and +30% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAlbertvilleMarshall CountyAlabamaUnited States
Rental vacancy Unreliable estimate4.7%7.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate2.1%1.7%3.4%
People per household 2.802.712.482.53
Drive alone 84%81%81%69%
Carpool 13%11%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 3%6%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Albertville has 2.80 people on average, about the same as in Marshall County (2.71).

The car rules in Albertville: 84% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Albertville?

A typical home is tight for the typical income

We start with a typical home in Albertville, worth $188,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Albertville, which is $56,099 a year. For that payment to be 28% of income, a household would need to earn about $63,132 a year.

The calculator's FHA and conventional loan limits are those of all of Marshall County.

Your numbers

Local data
$

Starts at the typical home value in Albertville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,594 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,473

at 7.18% · 30 years

Loan amount
$184,988
Total interest
$266,154
Paid off in
November 2056

Includes $3,182 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,309 a month

  • Tight

    $1,309 to $1,683 a month

    Your payment · 32%

  • Hard

    more than $1,683 a month

Compared with the typical household income in Albertville ($56,099 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,473
Principal & interest$1,253
Property tax$58
Home insurance$79
FHA mortgage insurance (MIP)$83

You need at least $6,594 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Albertville and Marshall County

Albertville is in Marshall County, Alabama. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Albertville's own numbers

Typical home value
$188,400
Typical monthly rent
$872
Typical yearly household income
$56,099
Households that own their home
70%
Effective property tax rate
0.37%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Marshall County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$925
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Marshall County.

Everything about Marshall County

Buying

Buying a home in Albertville

A typical home in Albertville is worth $188,400: 7% below the county and 10% below Alabama. With the typical household income in Albertville ($56,099 a year), a typical home costs 3.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Albertville 3.4 years
  • Marshall 3.2 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Marshall County

According to FHFA’s house price index, home prices in Marshall County rose 91% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Marshall County.

Period County Alabama U.S.
Last year (2025) +1.8% +2.5% +2.9%
5 years (2020–2025) +60% +47% +47%
10 years (2015–2025) +91% +77% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Albertville next to Marshall County, Alabama and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Albertville $188,400
  • Marshall $201,500
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Albertville $872
  • Marshall $795
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Albertville $56,099
  • Marshall $62,571
  • Alabama $63,999
  • United States $80,734
See the full table
Albertville next to Marshall County and Alabama
Measure Albertville Marshall County Alabama U.S.
Typical home value $188,400 $201,500 $209,900 $332,700
Typical monthly rent $872 $795 $1,007 $1,413
Typical yearly household income $56,099 $62,571 $63,999 $80,734
Households that own their home 70% 76% 70% 65%
Typical yearly property tax $690 $733 $788 $3,119
Effective property tax rate 0.37% 0.36% 0.38% 0.94%
Renters with high rent for their income 56% 47% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Marshall County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Albertville

For a typical $188,400 home in Albertville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Albertville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,473a month

    Least cash to close
    Down payment
    $6,594
    Cash to close
    $12,246
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $83

  • Conventional, 5% down $1,439a month

    Down payment
    $9,420
    Cash to close
    $15,072
    Rate
    7.18%
    Mortgage insurance
    PMI · $89

  • Conventional, 20% down, no PMI $1,158a month

    Down payment
    $37,680
    Cash to close
    $43,332
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,332a month

    Down payment
    $28,260
    Cash to close
    $33,912
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Albertville and for Marshall County.

Property tax

Effective rate in Albertville

0.37%of the home’s value each year

$690 a year for the typical owner in Albertville.

  • Albertville 0.37%
  • Marshall 0.36%
  • Alabama 0.38%

What Alabama publishes Basic homestead exemption (type H-1) (Alabama Department of Revenue)

Exemptions and deadlines in Alabama

Flood risk in Marshall County

FEMA does not publish these numbers by city: they are for all of Marshall County.

Homes in the high-risk zone
1%
363
Of those, with NFIP insurance
11%
County Alabama U.S.
Homes in the high-risk zone 1% 3.2% 3.5%
Of those, with NFIP insurance 11% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Albertville

Typical rent in Albertville is $872 a month: 10% above the county. In Albertville, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Marshall County, by unit size. To pay the 2-bedroom one ($925 a month) without spending more than 30% of your income, you would need to earn $17.79 an hour working full time.

HUD fair market rent for all of Marshall County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $702 $13.50 $28,080
1 bedroom $707 $13.60 $28,280
2 bedrooms $925 $17.79 $37,000
3 bedrooms $1,281 $24.63 $51,240
4 bedrooms $1,285 $24.71 $51,400

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Albertville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Albertville has 2 ZIP codes with their own.

For 2 bedrooms it runs from $920 in 35951 to $970 in 35950.

1 of the 2 is above the fair market rent for Marshall County ($925).

  • 35950 $970$1,340
  • 35951 $920$1,250

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Albertville when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Albertville

HUD lists 8 buildings with rents for lower incomes in Albertville. These are the largest.

  • Alameda 201 S Cahill Rd, Albertville 35950 164 low-income homes · Run by Albertville Housing Authority · Average payment: $371 a month · Average wait: 10 months (256) 878-2641
  • Willow Creek Apts 1000 Baltimore Ave, Albertville 35950 108 homes, 85 low-income · For families (256) 878-7877
  • Ashbrook 67 Ashbrook Ln, Albertville 35951 72 low-income homes · 1 bd: 4 · 2 bd: 32 · 3 bd: 36 · In service since 2006 · For people with disabilities, families
  • The Colony Apts 2020 Al Highway 205 N, Albertville 35950 56 low-income homes · 1 bd: 16 · 2 bd: 16 · 3 bd: 24 · In service since 1997 · For families
  • Angela Meadows 2940 George Wallace Dr, Albertville 35951 48 homes, 40 low-income · 1 bd: 8 · 2 bd: 28 · 3 bd: 12 · In service since 2002 · For people with disabilities, families

See all 29 buildings in Marshall County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Albertville

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Marshall County. The nearest ones are below; many serve by phone or online.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Albertville

No down payment, repair or rent-help program on our list is for Albertville or Marshall County. The ones below are statewide in Alabama: they work in Albertville the same as in the rest of the state.

Which programs do I qualify for? All programs in Alabama

  • Step Up

    Statewide in Alabama

    Alabama state authority program with down payment assistance of 4% of the price (up to $10,000) as a 10-year second mortgage, alongside a 30-year fixed mortgage. Offered by Alabama Housing Finance Authority (AHFA).

    Repayable

    See the program Official page

  • First Step Mortgage Revenue Bonds

    Statewide in Alabama

    Alabama state authority 30-year low-rate mortgage, for first-time buyers and for people who have owned a home before, with down payment assistance of 4% of the price, up to $10,000, as a ten-year second mortgage. Offered by Alabama Housing Finance Authority (AHFA).

    Repayable

    See the program Official page

  • Affordable Income Subsidy Grant

    Statewide in Alabama

    Alabama state authority grant for closing costs with an HFA Advantage conventional loan: 1% of the loan if you earn up to 50% of the area median, or half a percent if you earn 50% to 80%. Offered by Alabama Housing Finance Authority (AHFA).

    Grant

    See the program Official page

Housing counselors near Albertville

The HUD-approved agencies closest to the center of Albertville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Action Agency of Northeast Alabama, Inc.

    1481 McCurdy Ave S, Rainsville · 25 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (256) 638-4430

  • Community Action Partnership of North Alabama - Cullman Branch

    107 2nd Ave, NE, Cullman · 37 miles away · Spanish

    • Rental counseling
    (256) 260-3108

  • Family Services Center, Inc.

    520 Madison St SE, Huntsville · 38 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (256) 551-1610

All counseling agencies in Alabama

Help in Spanish near Albertville

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Albertville

HUD’s record names them for Albertville or Marshall County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Albertville Housing Authority Public housing and Section 8 vouchers (256) 878-2641

4 other authorities have an office in Marshall County: see the list Source: HUD

Cities

Other cities in Marshall County

These cities are also in Marshall County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Marshall County Housing in Alabama

Nearby cities

The cities closest to Albertville, with the typical home value.

Neighboring counties

If Marshall County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Albertville.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Albertville

Short answers with the numbers for Albertville and all of Marshall County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Albertville?

The typical home value in Albertville is $188,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Marshall County it is $201,500.

How much does it cost to rent in Albertville?

Typical rent in Albertville is $872 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Marshall County is $925.

What is the FHA loan limit in Albertville?

Albertville uses the FHA limit for all of Marshall County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Albertville?

The typical homeowner in Albertville pays $690 a year, according to the U.S. Census Bureau. That is 0.37% of the home’s value; in Marshall County, the rate is 0.36%.

Where can I find free help to buy or rent in Albertville?

We found no HUD-approved counseling agencies with an office in Marshall County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).