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City · 21,271 residents · Calhoun County, Alabama

Anniston , Alabama

In Anniston, a typical home is worth $158,800 and typical rent is $799 a month. Compared with all of Calhoun County, typical household income is 15% lower and the share of households that own their home is 12 points lower.

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  • Typical home value

    $158,800

    About the same as the county

    24% below Alabama

    • Anniston
    • Calhoun
    • Alabama

  • Typical rent

    $799a month

    3% below the county

    21% below Alabama

    • Anniston
    • Calhoun
    • Alabama

  • Typical household income

    $46,668a year

    15% below the county

    27% below Alabama

    • Anniston
    • Calhoun
    • Alabama

  • Households that own their home

    58%

    12 points below the county

    12 points below Alabama

    • Anniston
    • Calhoun
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$145,579
4.2% more than 12 months ago
Typical rent
$909 a month

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

Anniston is in Calhoun 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 Calhoun County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Anniston apart

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

  1. Nearby, in Saks, the typical home value is $116,400: 27% less than in Anniston ($158,800).

  2. 58% of households in Anniston own their home, against 70% in Calhoun County.

  3. The typical household income in Anniston is $46,668, 15% less than in Calhoun County as a whole ($55,029).

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

The homes here

Housing in Anniston

What homes there are in Anniston, 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 houses, standing on their own, make up 74% of homes here, against 71% in Calhoun County.

Year built

In Anniston, half of the homes were built before 1967; in Calhoun County, before 1979.

In Anniston, 13% of homes have 1 bedroom or none (studios); 53% have 3 bedrooms or more, against 65% in Calhoun County.

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 limit for Calhoun County is high ($541,287): at least 97% of owner-occupied homes in Anniston are worth less than $500,000.

Monthly rent with utilities

About 71% of rented homes in Anniston cost less than HUD's 2-bedroom fair market rent for Calhoun County ($1,010).

With a mortgage

$1,158 a month

Calhoun County: $1,210 a month

Without a mortgage

$452 a month

Calhoun County: $407 a month

Owners with a mortgage

44%

Calhoun County: 49%

Owning costs about the same in Anniston as in Calhoun County: with a mortgage, $1,158 a month; without one, $452.

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

The typical home value in Anniston rose 63% since 2015–2019, more than in Calhoun County (33%).

Since 2015–2019, the typical rent in Anniston rose 19%, more than in Calhoun County (15%).

The typical household income in Anniston rose 29% over that time; home values changed +63% and rent +19%.

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

MeasureAnnistonCalhoun CountyAlabamaUnited States
Rental vacancy 7.0%5.3%7.2%5.5%
Homeowner vacancy Unreliable estimate1.3%1.1%0.9%
More than one person per room Unreliable estimate1.5%1.7%3.4%
People per household 2.262.482.482.53
Drive alone 80%85%81%69%
Carpool 8%7%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 8%6%9%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Anniston, the rental vacancy rate is 7.0%; in Calhoun County, 5.3%.

Fewer people live in each home here: 2.26 on average, against 2.48 in Calhoun County.

To get to work, 80% of workers in Anniston drive alone; in Calhoun County, 85%.

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 Anniston?

A typical home is tight for the typical income

We start with a typical home in Anniston, worth $158,800, 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 Anniston, which is $46,668 a year. For that payment to be 28% of income, a household would need to earn about $53,554 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Anniston. 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 $5,558 (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

$1,250

at 7.18% · 30 years

Loan amount
$155,924
Total interest
$224,338
Paid off in
November 2056

Includes $2,682 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,089 a month

  • Tight

    $1,089 to $1,400 a month

    Your payment · 32%

  • Hard

    more than $1,400 a month

Compared with the typical household income in Anniston ($46,668 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,250
Principal & interest$1,056
Property tax$57
Home insurance$66
FHA mortgage insurance (MIP)$70

You need at least $5,558 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

Anniston and Calhoun County

Anniston is in Calhoun 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).

Anniston's own numbers

Typical home value
$158,800
Typical monthly rent
$799
Typical yearly household income
$46,668
Households that own their home
58%
Effective property tax rate
0.43%

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

Numbers for all of Calhoun County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,010
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
3.4%

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 Calhoun County.

Everything about Calhoun County

Buying

Buying a home in Anniston

A typical home in Anniston is worth $158,800: about the same as the county and 24% below Alabama. With the typical household income in Anniston ($46,668 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.

  • Anniston 3.4 years
  • Calhoun 2.8 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Calhoun County

According to FHFA’s house price index, home prices in Calhoun County rose 77% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) +4.4% +2.5% +2.9%
5 years (2020–2025) +50% +47% +47%
10 years (2015–2025) +77% +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

Anniston next to Calhoun 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
  • Anniston $158,800
  • Calhoun $156,600
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Anniston $799
  • Calhoun $826
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Anniston $46,668
  • Calhoun $55,029
  • Alabama $63,999
  • United States $80,734
See the full table
Anniston next to Calhoun County and Alabama
Measure Anniston Calhoun County Alabama U.S.
Typical home value $158,800 $156,600 $209,900 $332,700
Typical monthly rent $799 $826 $1,007 $1,413
Typical yearly household income $46,668 $55,029 $63,999 $80,734
Households that own their home 58% 70% 70% 65%
Typical yearly property tax $678 $653 $788 $3,119
Effective property tax rate 0.43% 0.42% 0.38% 0.94%
Renters with high rent for their income 60% 45% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Calhoun 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 Anniston

For a typical $158,800 home in Anniston, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Anniston's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,250a month

    Least cash to close
    Down payment
    $5,558
    Cash to close
    $10,322
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $70

  • Conventional, 5% down $1,220a month

    Down payment
    $7,940
    Cash to close
    $12,704
    Rate
    7.18%
    Mortgage insurance
    PMI · $75

  • Conventional, 20% down, no PMI $984a month

    Down payment
    $31,760
    Cash to close
    $36,524
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,130a month

    Down payment
    $23,820
    Cash to close
    $28,584
    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 Anniston and for Calhoun County.

Property tax

Effective rate in Anniston

0.43%of the home’s value each year

$678 a year for the typical owner in Anniston.

  • Anniston 0.43%
  • Calhoun 0.42%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Calhoun County

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

Homes in the high-risk zone
3.4%
1,566
Of those, with NFIP insurance
16%
County Alabama U.S.
Homes in the high-risk zone 3.4% 3.2% 3.5%
Of those, with NFIP insurance 16% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Anniston

Typical rent in Anniston is $799 a month: 3% below the county. In Anniston, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Calhoun County, by unit size. To pay the 2-bedroom one ($1,010 a month) without spending more than 30% of your income, you would need to earn $19.42 an hour working full time.

HUD fair market rent for all of Calhoun 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 $796 $15.31 $31,840
1 bedroom $801 $15.40 $32,040
2 bedrooms $1,010 $19.42 $40,400
3 bedrooms $1,337 $25.71 $53,480
4 bedrooms $1,341 $25.79 $53,640

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 Anniston

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Anniston has 3 ZIP codes with their own.

For 2 bedrooms it runs from $920 in 36201 to $1,110 in 36207.

2 of the 3 are above the fair market rent for Calhoun County ($1,010).

  • 36201 $920$1,220
  • 36205 $1,080$1,430
  • 36207 $1,110$1,470

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Anniston 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 Anniston

HUD lists 9 buildings with rents for lower incomes in Anniston. These are the largest.

  • Constantine Homes 316 Elm St, Anniston 36201 195 homes, 194 low-income · Run by Anniston Ha · Average payment: $205 a month · Average wait: 5 months (256) 236-1575
  • Cooper Homes 411 W 29th St, Anniston 36201 123 low-income homes · Run by Anniston Ha · Average payment: $245 a month · Average wait: 4 months (256) 236-1575
  • Glenaddie Homes 1104 Boynton Ave, Anniston 36201 100 low-income homes · Run by Anniston Ha · Average payment: $310 a month · Average wait: 3 months (256) 236-1575
  • Westminster Apartments 107 E 20th St, Anniston 36201 100 low-income homes · For older adults (256) 237-2569
  • Wesley Apartments 1401 Noble St, Anniston 36201 68 low-income homes · For older adults (256) 237-4371

See all 20 buildings in Calhoun County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Anniston

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 Calhoun County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Anniston

No down payment, repair or rent-help program on our list is for Anniston or Calhoun County. The ones below are statewide in Alabama: they work in Anniston 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 Anniston

The HUD-approved agencies closest to the center of Anniston, 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 · 55 miles away

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

  • United Way of Central Alabama, Inc.

    3600 8th Ave S, Birmingham · 57 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (205) 458-8950

  • Operation Hope- Birmingham Al

    2100 Park Pl, Birmingham · 58 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 3 more
    (205) 478-0557

All counseling agencies in Alabama

Help in Spanish near Anniston

None of the 3 agencies on this list say they serve 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 Anniston

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

3 other authorities have an office in Calhoun County: see the list Source: HUD

Cities

Other cities in Calhoun County

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

Everything about Calhoun County Housing in Alabama

Nearby cities

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

Neighboring counties

If Calhoun 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 Anniston.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Anniston

Short answers with the numbers for Anniston and all of Calhoun 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 Anniston?

The typical home value in Anniston is $158,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Calhoun County it is $156,600.

How much does it cost to rent in Anniston?

Typical rent in Anniston is $799 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Calhoun County is $1,010.

What is the FHA loan limit in Anniston?

Anniston uses the FHA limit for all of Calhoun 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 Anniston?

The typical homeowner in Anniston pays $678 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in Calhoun County, the rate is 0.42%.

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

We found no HUD-approved counseling agencies with an office in Calhoun 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).