In Attalla, a typical home is worth $126,100 and typical rent is $743 a month. Compared with all of Etowah County, the typical home value is 25% lower and typical rent is 12% lower.
Typical home value from Zillow, September 2021 to September 2026: from $121,190 to $143,469.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Attalla is in Etowah 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 Etowah County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Attalla is worth $126,100,25% less than in Etowah County as a whole ($167,100).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Attalla rose 4.9%; in Alabama, it rose 1.9%.
3
16% of households in Attalla have no internet at home (10% in Etowah County).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Attalla
What homes there are in Attalla, 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
Attalla
Etowah County
Alabama
United States
Kind of home: Attalla and its comparisons
Measure
Attalla
Etowah County
Alabama
United States
Detached house
81%
79%
69%
61%
Attached house
Unreliable estimate
1%
2%
6%
Building of 2 to 4
Unreliable estimate
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
7%
12%
19%
Mobile home
Unreliable estimate
9%
12%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Etowah County, most homes in Attalla are detached houses (81%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Attalla
Etowah County
Alabama
United States
Year built: Attalla and its comparisons
Measure
Attalla
Etowah County
Alabama
United States
Before 1960
38%
28%
16%
26%
1960–1979
39%
29%
26%
24%
1980–1999
14%
24%
29%
25%
2000–2009
Unreliable estimate
12%
15%
14%
2010 or later
Unreliable estimate
7%
13%
11%
The typical home in Attalla was built in 1965, 10 years before the typical one in Etowah County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K34%
$100K–$200K48%
$200K–$300K14%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Attalla and its comparisons
Measure
Attalla
Under $100K
34%
$100K–$200K
48%
$200K–$300K
14%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99945%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Attalla and its comparisons
Measure
Attalla
Under $500
Unreliable estimate
$500–$999
45%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,123 a month
Etowah County: $1,284 a month
Without a mortgage
$415 a month
Etowah County: $439 a month
Owners with a mortgage
50%
Etowah County: 45%
In Attalla, 50% of owners have a mortgage, and their typical cost is $1,123 a month, against $1,284 in Etowah County. Without one it drops to $415.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Attalla+75%
Etowah County+47%
Alabama+47%
United States+53%
Typical rent
AttallaNo clear change
Etowah County+27%
Alabama+27%
United States+33%
Typical household income
Attalla+51%
Etowah County+22%
Alabama+27%
United States+29%
Change since 2015–2019: Attalla and its comparisons
Measure
Attalla
Etowah County
Alabama
United States
Typical home value
+75%
+47%
+47%
+53%
Typical rent
No clear change
+27%
+27%
+33%
Typical household income
+51%
+22%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Attalla rose 75%; in Etowah County, it rose 47%.
The typical rent in Attalla stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Attalla and its comparisons
Measure
Attalla
Etowah County
Alabama
United States
Rental vacancy
Unreliable estimate
6.3%
7.2%
5.5%
Homeowner vacancy
Unreliable estimate
1.5%
1.1%
0.9%
More than one person per room
Unreliable estimate
2.0%
1.7%
3.4%
People per household
2.23
2.58
2.48
2.53
Drive alone
93%
87%
81%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
1%
3%
Work from home
Unreliable estimate
4%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.23 on average, against 2.58 in Etowah County.
To get to work, 93% of workers in Attalla drive alone; in Etowah County, 87%.
Do the math
What would you pay each month for a home in Attalla?
A typical home is within reach of the typical income
We start with a typical home in Attalla, worth $126,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 20% of the typical household income in Attalla, which is $59,215 a year.
The calculator's FHA and conventional loan limits are those of all of Etowah 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 Attalla. 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 $4,414 (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
$983
at 7.18% · 30 years
Loan amount
$123,816
Total interest
$178,141
Paid off in
November 2056
Includes $2,130 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,382 a month
Your payment · 20%
Tight
$1,382 to $1,776 a month
Hard
more than $1,776 a month
Compared with the typical household income in Attalla ($59,215 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$839
Property tax
$36
Home insurance
$53
FHA mortgage insurance (MIP)
$56
You need at least $4,414 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 $983; principal and interest $839.
The city and its county
Attalla and Etowah County
Attalla is in Etowah 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).
Attalla
Map of Etowah County, Alabama, with Attalla marked. Around it, the neighboring counties.
Attalla
Etowah County
Other cities with a page
Attalla's own numbers
Typical home value
$126,100
Typical monthly rent
$743
Typical yearly household income
$59,215
Households that own their home
72%
Effective property tax rate
0.34%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Etowah County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$975
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1.7%
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 Etowah County.
A typical home in Attalla is worth $126,100: 25% below the county and 40% below Alabama. With the typical household income in Attalla ($59,215 a year), a typical home costs 2.1 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.
Attalla2.1 years
Etowah3.1 years
Alabama3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Etowah County
According to FHFA’s house price index, home prices in Etowah County rose 74% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Etowah County.
Yearly change in FHFA’s price index in Etowah County, 2016 to 2025
2016: +1.0% +1.0% 2016
2017: +0.2% +0.2% 2017
2018: +3.9% +3.9% 2018
2019: +4.1% +4.1% 2019
2020: +3.3% +3.3% 2020
2021: +10.5% +10.5% 2021
2022: +17.0% +17.0% 2022
2023: +7.1% +7.1% 2023
2024: +7.4% +7.4% 2024
2025: +3.5% +3.5% 2025
Change in FHFA’s price index in Etowah County, Alabama and the United States
Period
County
Alabama
U.S.
Last year (2025)
+3.5%
+2.5%
+2.9%
5 years (2020–2025)
+54%
+47%
+47%
10 years (2015–2025)
+74%
+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
Attalla next to Etowah 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
Attalla$126,100
Etowah$167,100
Alabama$209,900
United States$332,700
Typical monthly rent
Attalla$743
Etowah$847
Alabama$1,007
United States$1,413
Typical yearly household income
Attalla$59,215
Etowah$54,563
Alabama$63,999
United States$80,734
See the full table
Attalla next to Etowah County and Alabama
Measure
Attalla
Etowah County
Alabama
U.S.
Typical home value
$126,100 ▼25% below the county
$167,100
$209,900
$332,700
Typical monthly rent
$743 ▼12% below the county
$847
$1,007
$1,413
Typical yearly household income
$59,215 ▲9% above the county
$54,563
$63,999
$80,734
Households that own their home
72% ▼1 points below the county
74%
70%
65%
Typical yearly property tax
$427 ▼34% below the county
$645
$788
$3,119
Effective property tax rate
0.34% ▼0.05 points below the county
0.39%
0.38%
0.94%
Renters with high rent for their income
38% ▼10 points below the county
48%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Etowah 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 Attalla
For a typical $126,100 home in Attalla, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Attalla's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$983a month
Least cash to close
Down payment
$4,414
Cash to close
$8,197
Rate
7.18%
Mortgage insurance
FHA MIP · $56
Conventional, 5% down$960a month
Down payment
$6,305
Cash to close
$10,088
Rate
7.18%
Mortgage insurance
PMI · $60
Conventional, 20% down, no PMI$772a month
Down payment
$25,220
Cash to close
$29,003
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$888a month
Down payment
$18,915
Cash to close
$22,698
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Attalla
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$983
$4,414
$123,816
7.18%
FHA MIP · $56
$8,197
580
Conventional, 5% down
$960
$6,305
$119,795
7.18%
PMI · $60
$10,088
620*
Conventional, 20% down, no PMI
$772
$25,220
$100,880
7.18%
None
$29,003
620*
ITIN, 15% down (example)
$888
$18,915
$107,185
8.18%
None
$22,698
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 Attalla is $743 a month: 12% below the county. In Attalla, 38% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Etowah County, by unit size. To pay the 2-bedroom one ($975 a month) without spending more than 30% of your income, you would need to earn $18.75 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 Etowah County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$679
$13.06
$27,160
1 bedroom
$830
$15.96
$33,200
2 bedrooms
$975
$18.75
$39,000
3 bedrooms
$1,235
$23.75
$49,400
4 bedrooms
$1,397
$26.87
$55,880
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 Attalla
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Attalla is in ZIP code 35954.
For 2 bedrooms it is $920: $55 less than the fair market rent for Etowah County ($975).
Fair market rent by ZIP code and size in Attalla, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
35954
$640
$780
$920
$1,170
$1,320
ZIP code2 bd3 bd
35954 $920$1,170
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Attalla 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 2 buildings with rents for lower incomes in Attalla. These are the largest.
Hanby Manor1002 9th St SW, Attalla 35954108 low-income homes · Run by Housing Authority of the City of Attalla · Average payment: $452 a month · Average wait: 2 months(256) 538-9365
Bradley Park524 Gilbert Ferry Rd SE, Attalla 3595440 low-income homes · For families(256) 538-5080
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 Etowah 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 Attalla or Etowah County. The ones below are statewide in Alabama: they work in Attalla 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 Attalla or Etowah 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 Attalla and all of Etowah 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 Attalla?
The typical home value in Attalla is $126,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Etowah County it is $167,100.
How much does it cost to rent in Attalla?
Typical rent in Attalla is $743 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Etowah County is $975.
What is the FHA loan limit in Attalla?
Attalla uses the FHA limit for all of Etowah 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 Attalla?
The typical homeowner in Attalla pays $427 a year, according to the U.S. Census Bureau. That is 0.34% of the home’s value; in Etowah County, the rate is 0.39%.
Where can I find free help to buy or rent in Attalla?
We found no HUD-approved counseling agencies with an office in Etowah County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
