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City · 8,334 residents · Escambia County, Alabama

Atmore , Alabama

In Atmore, a typical home is worth $157,800 and typical rent is $777 a month. Compared with all of Escambia County, typical household income is 19% lower, the typical home value is 16% higher, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $157,800

    16% above the county

    25% below Alabama

    • Atmore
    • Escambia
    • Alabama

  • Typical rent

    $777a month

    About the same as the county

    23% below Alabama

    • Atmore
    • Escambia
    • Alabama

  • Typical household income

    $38,862a year

    19% below the county

    39% below Alabama

    • Atmore
    • Escambia
    • Alabama

  • Households that own their home

    52%

    19 points below the county

    18 points below Alabama

    • Atmore
    • Escambia
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$160,001
3.8% more than 12 months ago

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

Atmore is in Escambia 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 Escambia County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Atmore apart

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

  1. 52% of households in Atmore own their home, against 71% in Escambia County.

  2. Atmore has the 6th lowest typical household income of the 120 cities in Alabama with more than 5,000 people ($38,862).

  3. Nearby, in Monroeville, the typical rent is $577: 26% less than in Atmore ($777).

  4. Nearby, in Monroeville, the typical home value is $122,900: 22% less than in Atmore ($157,800).

  5. The typical home in Atmore is worth $157,800, 16% more than in Escambia County as a whole ($136,500).

  6. 26% of households in Atmore have no internet at home (20% in Escambia County).

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

The homes here

Housing in Atmore

What homes there are in Atmore, 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

The detached house rules in Atmore: 71% of homes, more than in Escambia County (68%).

Year built

Homes in Atmore are older: the typical year built is 1977; in Escambia County, 1983.

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
Monthly rent with utilities

With a mortgage

$1,011 a month

Escambia County: $1,147 a month

Without a mortgage

$416 a month

Escambia County: $396 a month

Owners with a mortgage

52%

Escambia County: 39%

The typical cost for an owner with a mortgage in Atmore is $1,011 a month, less than in Escambia County ($1,147); without one, $416.

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

Since 2015–2019, homes in Atmore gained value faster than in Escambia County: 67% against 37%.

Rents in Atmore rose faster than in Escambia County: 33% since 2015–2019, against 24%.

To compare: typical income in Atmore rose 49%; the home, +67%; the rent, +33%.

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

MeasureAtmoreEscambia CountyAlabamaUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.7%3.4%
People per household 2.382.662.482.53
Drive alone 94%90%81%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate3%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Atmore are smaller: 2.38 people on average; in Escambia County, 2.66.

To get to work, 94% of workers in Atmore drive alone; in Escambia County, 90%.

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 Atmore?

A typical home costs more than the typical income allows

We start with a typical home in Atmore, worth $157,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Atmore, which is $38,862 a year. For that payment to be 28% of income, a household would need to earn about $53,047 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Atmore. 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 $5,523 (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

$1,238

at 7.18% · 30 years

Loan amount
$154,942
Total interest
$222,925
Paid off in
November 2056

Includes $2,665 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $907 a month

  • Tight

    $907 to $1,166 a month

  • Hard

    more than $1,166 a month

    Your payment · 38%

Compared with the typical household income in Atmore ($38,862 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,238
Principal & interest$1,050
Property tax$53
Home insurance$66
FHA mortgage insurance (MIP)$70

You need at least $5,523 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

Atmore and Escambia County

Atmore is in Escambia 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).

Atmore's own numbers

Typical home value
$157,800
Typical monthly rent
$777
Typical yearly household income
$38,862
Households that own their home
52%
Effective property tax rate
0.4%

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

Numbers for all of Escambia 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)
+53%
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 Escambia County.

Everything about Escambia County

Buying

Buying a home in Atmore

A typical home in Atmore is worth $157,800: 16% above the county and 25% below Alabama. With the typical household income in Atmore ($38,862 a year), a typical home costs 4.1 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.

  • Atmore 4.1 years
  • Escambia 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 Escambia County

According to FHFA’s house price index, home prices in Escambia County rose 80% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) +8.4% +2.5% +2.9%
5 years (2020–2025) +53% +47% +47%
10 years (2015–2025) +80% +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

Atmore next to Escambia 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
  • Atmore $157,800
  • Escambia $136,500
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Atmore $777
  • Escambia $766
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Atmore $38,862
  • Escambia $48,225
  • Alabama $63,999
  • United States $80,734
See the full table
Atmore next to Escambia County and Alabama
Measure Atmore Escambia County Alabama U.S.
Typical home value $157,800 $136,500 $209,900 $332,700
Typical monthly rent $777 $766 $1,007 $1,413
Typical yearly household income $38,862 $48,225 $63,999 $80,734
Households that own their home 52% 71% 70% 65%
Typical yearly property tax $639 $530 $788 $3,119
Effective property tax rate 0.4% 0.39% 0.38% 0.94%
Renters with high rent for their income 53% 44% 49% 51%

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

For a typical $157,800 home in Atmore, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Atmore's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,238a month

    Least cash to close
    Down payment
    $5,523
    Cash to close
    $10,257
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $70

  • Conventional, 5% down $1,209a month

    Down payment
    $7,890
    Cash to close
    $12,624
    Rate
    7.18%
    Mortgage insurance
    PMI · $75

  • Conventional, 20% down, no PMI $974a month

    Down payment
    $31,560
    Cash to close
    $36,294
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,119a month

    Down payment
    $23,670
    Cash to close
    $28,404
    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 Atmore and for Escambia County.

Property tax

Effective rate in Atmore

0.4%of the home’s value each year

$639 a year for the typical owner in Atmore.

  • Atmore 0.4%
  • Escambia 0.39%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Escambia County

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

Homes in the high-risk zone
3.4%
554
Of those, with NFIP insurance
10%
County Alabama U.S.
Homes in the high-risk zone 3.4% 3.2% 3.5%
Of those, with NFIP insurance 10% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Atmore

Typical rent in Atmore is $777 a month: about the same as the county. In Atmore, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Escambia 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.

HUD fair market rent for all of Escambia 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 $720 $13.85 $28,800
1 bedroom $753 $14.48 $30,120
2 bedrooms $921 $17.71 $36,840
3 bedrooms $1,129 $21.71 $45,160
4 bedrooms $1,518 $29.19 $60,720

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 Atmore

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

For 2 bedrooms it runs from $920 in 36503 to $1,220 in 36502.

1 of the 2 is above the fair market rent for Escambia County ($921).

  • 36502 $1,220$1,530
  • 36503 $920$1,130

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Atmore 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 Atmore

HUD lists 4 buildings with rents for lower incomes in Atmore. These are the largest.

  • Atmore 305 Bragg St, Atmore 36502 68 low-income homes · Run by Ha Atmore · Average payment: $326 a month · Average wait: 155 months (251) 368-8442
  • Atmore Senior Housing, Inc. PO Box 377, Atmore 36504 40 low-income homes · For older adults (251) 368-5115
  • Pines Apts I 298 Jack Springs Rd, Atmore 36502 32 low-income homes · 1 bd: 24 · 3 bd: 8 · In service since 1996 · For older adults, families
  • The Pines Apts II 298 Jack Springs Rd, Atmore 36502 24 low-income homes · 2 bd: 8 · 3 bd: 16 · In service since 1999 · For families

See all 14 buildings in Escambia County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Atmore

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Atmore

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

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

  • Center for Fair Housing

    602 Bel Air Blvd, Mobile · 50 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (251) 479-1532

  • Renaissance Community Loan Fund-Mobile County, AL

    584 Azalea Rd, Mobile · 52 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (228) 896-3386

  • CCCS of Mobile

    705 Oak Circle Dr E, Mobile · 53 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (251) 602-0011

All counseling agencies in Alabama

Help in Spanish near Atmore

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 Atmore

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

One other authority has an office in Escambia County: see the list Source: HUD

Cities

Other cities in Escambia County

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

Everything about Escambia County Housing in Alabama

Nearby cities

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

Neighboring counties

If Escambia 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 Atmore.

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

Questions

Housing questions about Atmore

Short answers with the numbers for Atmore and all of Escambia 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 Atmore?

The typical home value in Atmore is $157,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Escambia County it is $136,500.

How much does it cost to rent in Atmore?

Typical rent in Atmore is $777 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Escambia County is $921.

What is the FHA loan limit in Atmore?

Atmore uses the FHA limit for all of Escambia 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 Atmore?

The typical homeowner in Atmore pays $639 a year, according to the U.S. Census Bureau. That is 0.4% of the home’s value; in Escambia County, the rate is 0.39%.

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

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