City · 8,766 residents · Covington County, Alabama
Andalusia, Alabama
In Andalusia, a typical home is worth $153,200 and typical rent is $730 a month. Compared with all of Covington County, typical household income is 19% lower and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $148,817 to $164,646.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Andalusia is in Covington 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 Covington County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Greenville, the typical home value is $115,000: 25% less than in Andalusia ($153,200).
2
62% of households in Andalusia own their home, against 76% in Covington County.
3
The typical household income in Andalusia is $42,611,19% less than in Covington County as a whole ($52,456).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Andalusia
What homes there are in Andalusia, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Andalusia
Covington County
Alabama
United States
Kind of home: Andalusia and its comparisons
Measure
Andalusia
Covington County
Alabama
United States
Detached house
81%
73%
69%
61%
Attached house
Unreliable estimate
Unreliable estimate
2%
6%
Building of 2 to 4
10%
5%
5%
8%
Apartments (5 or more)
Unreliable estimate
2%
12%
19%
Mobile home
Unreliable estimate
19%
12%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 81% of homes here, against 73% in Covington County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Andalusia
Covington County
Alabama
United States
Year built: Andalusia and its comparisons
Measure
Andalusia
Covington County
Alabama
United States
Before 1960
31%
22%
16%
26%
1960–1979
39%
31%
26%
24%
1980–1999
21%
30%
29%
25%
2000–2009
6%
11%
15%
14%
2010 or later
Unreliable estimate
7%
13%
11%
Homes in Andalusia are older: the typical year built is 1971; in Covington County, 1979.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K32%
$100K–$200K35%
$200K–$300K17%
$300K–$500K12%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Andalusia and its comparisons
Measure
Andalusia
Under $100K
32%
$100K–$200K
35%
$200K–$300K
17%
$300K–$500K
12%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
The FHA limit for Covington County is high ($541,287): at least 97% of owner-occupied homes in Andalusia are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99972%
$1,000–$1,49913%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Andalusia and its comparisons
Measure
Andalusia
Under $500
Unreliable estimate
$500–$999
72%
$1,000–$1,499
13%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,165 a month
Covington County: $1,168 a month
Without a mortgage
$451 a month
Covington County: $396 a month
Owners with a mortgage
47%
Covington County: 40%
The typical cost for an owner with a mortgage in Andalusia is $1,165 a month, near the figure in Covington County ($1,168).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Andalusia+36%
Covington County+56%
Alabama+47%
United States+53%
Typical rent
AndalusiaNo clear change
Covington County+22%
Alabama+27%
United States+33%
Typical household income
AndalusiaNo clear change
Covington County+24%
Alabama+27%
United States+29%
Change since 2015–2019: Andalusia and its comparisons
Measure
Andalusia
Covington County
Alabama
United States
Typical home value
+36%
+56%
+47%
+53%
Typical rent
No clear change
+22%
+27%
+33%
Typical household income
No clear change
+24%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Andalusia rose 36%; in Covington County, it rose 56%.
Rent in Andalusia moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Andalusia and its comparisons
Measure
Andalusia
Covington County
Alabama
United States
Rental vacancy
Unreliable estimate
3.5%
7.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.7%
3.4%
People per household
2.67
2.53
2.48
2.53
Drive alone
85%
85%
81%
69%
Carpool
8%
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
Unreliable estimate
3%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.67 on average, against 2.53 in Covington County.
To get to work, 85% of workers in Andalusia drive alone; in Covington County, 85%.
Do the math
What would you pay each month for a home in Andalusia?
A typical home is tight for the typical income
We start with a typical home in Andalusia, worth $153,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Andalusia, which is $42,611 a year. For that payment to be 28% of income, a household would need to earn about $51,063 a year.
The calculator's FHA and conventional loan limits are those of all of Covington County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Andalusia. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,362 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,191
at 7.18% · 30 years
Loan amount
$150,425
Total interest
$216,427
Paid off in
November 2056
Includes $2,587 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $994 a month
Tight
$994 to $1,278 a month
Your payment · 34%
Hard
more than $1,278 a month
Compared with the typical household income in Andalusia ($42,611 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,019
Property tax
$41
Home insurance
$64
FHA mortgage insurance (MIP)
$68
You need at least $5,362 for the down payment, plus closing costs.
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.
Total monthly payment $1,191; principal and interest $1,019.
The city and its county
Andalusia and Covington County
Andalusia is in Covington 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).
Andalusia
Map of Covington County, Alabama, with Andalusia marked. Around it, the neighboring counties.
Andalusia
Covington County
Other cities with a page
Andalusia's own numbers
Typical home value
$153,200
Typical monthly rent
$730
Typical yearly household income
$42,611
Households that own their home
62%
Effective property tax rate
0.32%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Covington County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$921
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
3.3%
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 Covington County.
A typical home in Andalusia is worth $153,200: about the same as the county and 27% below Alabama. With the typical household income in Andalusia ($42,611 a year), a typical home costs 3.6 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.
Andalusia3.6 years
Covington2.9 years
Alabama3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Covington County
According to FHFA’s house price index, home prices in Covington County rose 66% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Covington County.
Yearly change in FHFA’s price index in Covington County, 2016 to 2025
2016: +0.5% +0.5% 2016
2017: +1.7% +1.7% 2017
2018: +0.3% +0.3% 2018
2019: +1.8% +1.8% 2019
2020: +4.0% +4.0% 2020
2021: +9.4% +9.4% 2021
2022: +16.6% +16.6% 2022
2023: +4.8% +4.8% 2023
2024: +10.7% +10.7% 2024
2025: +3.6% +3.6% 2025
Change in FHFA’s price index in Covington County, Alabama and the United States
Period
County
Alabama
U.S.
Last year (2025)
+3.6%
+2.5%
+2.9%
5 years (2020–2025)
+54%
+47%
+47%
10 years (2015–2025)
+66%
+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
Andalusia next to Covington 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
Andalusia$153,200
Covington$152,100
Alabama$209,900
United States$332,700
Typical monthly rent
Andalusia$730
Covington$746
Alabama$1,007
United States$1,413
Typical yearly household income
Andalusia$42,611
Covington$52,456
Alabama$63,999
United States$80,734
See the full table
Andalusia next to Covington County and Alabama
Measure
Andalusia
Covington County
Alabama
U.S.
Typical home value
$153,200
$152,100
$209,900
$332,700
Typical monthly rent
$730 ▼2% below the county
$746
$1,007
$1,413
Typical yearly household income
$42,611 ▼19% below the county
$52,456
$63,999
$80,734
Households that own their home
62% ▼14 points below the county
76%
70%
65%
Typical yearly property tax
$494 ▲24% above the county
$397
$788
$3,119
Effective property tax rate
0.32% ▲0.06 points above the county
0.26%
0.38%
0.94%
Renters with high rent for their income
56% ▲6 points above the county
50%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Covington 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 Andalusia
For a typical $153,200 home in Andalusia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Andalusia's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,191a month
Least cash to close
Down payment
$5,362
Cash to close
$9,958
Rate
7.18%
Mortgage insurance
FHA MIP · $68
Conventional, 5% down$1,163a month
Down payment
$7,660
Cash to close
$12,256
Rate
7.18%
Mortgage insurance
PMI · $73
Conventional, 20% down, no PMI$935a month
Down payment
$30,640
Cash to close
$35,236
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,077a month
Down payment
$22,980
Cash to close
$27,576
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Andalusia
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,191
$5,362
$150,425
7.18%
FHA MIP · $68
$9,958
580
Conventional, 5% down
$1,163
$7,660
$145,540
7.18%
PMI · $73
$12,256
620*
Conventional, 20% down, no PMI
$935
$30,640
$122,560
7.18%
None
$35,236
620*
ITIN, 15% down (example)
$1,077
$22,980
$130,220
8.18%
None
$27,576
Set by the lender
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.
Typical rent in Andalusia is $730 a month: 2% below the county. In Andalusia, 56% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Covington County, by unit size. To pay the 2-bedroom one ($921 a month) without spending more than 30% of your income, you would need to earn $17.71 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Covington County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$714
$13.73
$28,560
1 bedroom
$719
$13.83
$28,760
2 bedrooms
$921
$17.71
$36,840
3 bedrooms
$1,181
$22.71
$47,240
4 bedrooms
$1,539
$29.60
$61,560
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 Andalusia
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Andalusia has 2 ZIP codes with their own.
For 2 bedrooms it runs from $920 in 36420 to $960 in 36421.
1 of the 2 is above the fair market rent for Covington County ($921).
Fair market rent by ZIP code and size in Andalusia, fiscal year 2027.
36420
$710
$720
$920
$1,180
$1,540
36421
$740
$750
$960
$1,230
$1,600
ZIP code2 bd3 bd
36420 $920$1,180
36421 $960$1,230
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Andalusia 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 6 buildings with rents for lower incomes in Andalusia. These are the largest.
Westhaven and Pineview145 Murphree Dr, Andalusia 36420120 low-income homes · For families(334) 222-5871
Hummingbird Landing751 Moore Rd, Andalusia 3642056 low-income homes · 1 bd: 8 · 2 bd: 48 · In service since 2016
Foxwood Village101C Foxwood Dr, Andalusia 3642150 low-income homes · For families(334) 222-8771
Saddle Ridge Apts II440 Bridle Ridge Ln, Andalusia 3642048 low-income homes · 2 bd: 40 · 3 bd: 8 · In service since 2007 · For people with disabilities, families
Saddle Ridge Apts I100 Saddle Ridge Dr, Andalusia 3642045 low-income homes · 1 bd: 14 · 2 bd: 31 · In service since 2003 · For older adults, people with disabilities
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 Covington County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Andalusia or Covington County. The ones below are statewide in Alabama: they work in Andalusia the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Andalusia or Covington County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Andalusia and all of Covington 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 Andalusia?
The typical home value in Andalusia is $153,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Covington County it is $152,100.
How much does it cost to rent in Andalusia?
Typical rent in Andalusia is $730 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Covington County is $921.
What is the FHA loan limit in Andalusia?
Andalusia uses the FHA limit for all of Covington 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 Andalusia?
The typical homeowner in Andalusia pays $494 a year, according to the U.S. Census Bureau. That is 0.32% of the home’s value; in Covington County, the rate is 0.26%.
Where can I find free help to buy or rent in Andalusia?
We found no HUD-approved counseling agencies with an office in Covington County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
