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City · 15,914 residents · Jefferson County, Alabama

Center Point , Alabama

In Center Point, a typical home is worth $151,700 and typical rent is $1,218 a month. Compared with all of Jefferson County, the typical home value is 37% lower and typical household income is 15% lower.

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  • Typical home value

    $151,700

    37% below the county

    28% below Alabama

    • Center Point
    • Jefferson
    • Alabama

  • Typical rent

    $1,218a month

    2% above the county

    21% above Alabama

    • Center Point
    • Jefferson
    • Alabama

  • Typical household income

    $56,417a year

    15% below the county

    12% below Alabama

    • Center Point
    • Jefferson
    • Alabama

  • Households that own their home

    61%

    3 points below the county

    9 points below Alabama

    • Center Point
    • Jefferson
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$154,583
3.2% more than 12 months ago
Typical rent
$1,269 a month
4.2% more than 12 months ago

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

Center Point is in Jefferson 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 Jefferson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Center Point apart

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

  1. The typical home in Center Point is worth $151,700, 37% less than in Jefferson County as a whole ($240,000).

  2. Nearby, in Tarrant, the typical home value is $120,100: 21% less than in Center Point ($151,700).

  3. Nearby, in Tarrant, the typical rent is $985: 19% less than in Center Point ($1,218).

  4. The typical household income in Center Point is $56,417, 15% less than in Jefferson County as a whole ($66,388).

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

The homes here

Housing in Center Point

What homes there are in Center Point, 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 Center Point, 8 in 10 homes are single-family detached houses; in Jefferson County, 7.

Year built

By age, homes in Center Point look like those in Jefferson County: the typical year built is 1973.

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

$1,254 a month

Jefferson County: $1,619 a month

Without a mortgage

$440 a month

Jefferson County: $533 a month

Owners with a mortgage

70%

Jefferson County: 60%

In Center Point, 70% of owners have a mortgage, and their typical cost is $1,254 a month, against $1,619 in Jefferson County. Without one it drops to $440.

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 Center Point rose 55% since 2015–2019, more than in Jefferson County (51%).

Since 2015–2019, the typical rent in Center Point rose 42%, more than in Jefferson County (33%).

The typical household income in Center Point rose 30%: less than home values (+55%) and rent (+42%).

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

MeasureCenter PointJefferson CountyAlabamaUnited States
Rental vacancy 16.0%7.0%7.2%5.5%
Homeowner vacancy Unreliable estimate1.2%1.1%0.9%
More than one person per room Unreliable estimate1.6%1.7%3.4%
People per household 2.652.402.482.53
Drive alone 76%77%81%69%
Carpool 11%8%8%9%
Public transit Unreliable estimate1%0%3%
Walk or bike Unreliable estimate2%1%3%
Work from home 8%11%9%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Center Point, the rental vacancy rate is 16.0%; in Jefferson County, 7.0%.

On average, a household in Center Point has 2.65 people, more than in Jefferson County (2.40).

To get to work, 76% of workers in Center Point drive alone; in Jefferson County, 77%.

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 Center Point?

A typical home is within reach of the typical income

We start with a typical home in Center Point, worth $151,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Center Point, which is $56,417 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Center Point. 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 $5,310 (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

$1,213

at 7.18% · 30 years

Loan amount
$148,952
Total interest
$214,307
Paid off in
November 2056

Includes $2,562 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,316 a month

    Your payment · 26%

  • Tight

    $1,316 to $1,693 a month

  • Hard

    more than $1,693 a month

Compared with the typical household income in Center Point ($56,417 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,213
Principal & interest$1,009
Property tax$73
Home insurance$63
FHA mortgage insurance (MIP)$67

You need at least $5,310 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

Center Point and Jefferson County

Center Point is in Jefferson 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).

Center Point's own numbers

Typical home value
$151,700
Typical monthly rent
$1,218
Typical yearly household income
$56,417
Households that own their home
61%
Effective property tax rate
0.58%

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

Numbers for all of Jefferson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,375
Price change over 5 years (FHFA)
+38%
Homes in a high flood-risk zone
2.3%

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 Jefferson County.

Everything about Jefferson County

Buying

Buying a home in Center Point

A typical home in Center Point is worth $151,700: 37% below the county and 28% below Alabama. With the typical household income in Center Point ($56,417 a year), a typical home costs 2.7 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.

  • Center Point 2.7 years
  • Jefferson 3.6 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jefferson County

According to FHFA’s house price index, home prices in Jefferson County rose 73% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) +2.2% +2.5% +2.9%
5 years (2020–2025) +38% +47% +47%
10 years (2015–2025) +73% +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

Center Point next to Jefferson 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
  • Center Point $151,700
  • Jefferson $240,000
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Center Point $1,218
  • Jefferson $1,193
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Center Point $56,417
  • Jefferson $66,388
  • Alabama $63,999
  • United States $80,734
See the full table
Center Point next to Jefferson County and Alabama
Measure Center Point Jefferson County Alabama U.S.
Typical home value $151,700 $240,000 $209,900 $332,700
Typical monthly rent $1,218 $1,193 $1,007 $1,413
Typical yearly household income $56,417 $66,388 $63,999 $80,734
Households that own their home 61% 64% 70% 65%
Typical yearly property tax $873 $1,409 $788 $3,119
Effective property tax rate 0.58% 0.59% 0.38% 0.94%
Renters with high rent for their income 59% 54% 49% 51%

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

For a typical $151,700 home in Center Point, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Center Point's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,213a month

    Least cash to close
    Down payment
    $5,310
    Cash to close
    $9,861
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $67

  • Conventional, 5% down $1,185a month

    Down payment
    $7,585
    Cash to close
    $12,136
    Rate
    7.18%
    Mortgage insurance
    PMI · $72

  • Conventional, 20% down, no PMI $959a month

    Down payment
    $30,340
    Cash to close
    $34,891
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,099a month

    Down payment
    $22,755
    Cash to close
    $27,306
    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 Center Point and for Jefferson County.

Property tax

Effective rate in Center Point

0.58%of the home’s value each year

$873 a year for the typical owner in Center Point.

  • Center Point 0.58%
  • Jefferson 0.59%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Jefferson County

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

Homes in the high-risk zone
2.3%
5,592
Of those, with NFIP insurance
13%
County Alabama U.S.
Homes in the high-risk zone 2.3% 3.2% 3.5%
Of those, with NFIP insurance 13% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Center Point

Typical rent in Center Point is $1,218 a month: 2% above the county. In Center Point, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($1,375 a month) without spending more than 30% of your income, you would need to earn $26.44 an hour working full time.

HUD fair market rent for all of Jefferson 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 $1,177 $22.63 $47,080
1 bedroom $1,263 $24.29 $50,520
2 bedrooms $1,375 $26.44 $55,000
3 bedrooms $1,727 $33.21 $69,080
4 bedrooms $1,941 $37.33 $77,640

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 Center Point

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Center Point is in ZIP code 35215.

For 2 bedrooms it is $1,400: $25 more than the fair market rent for Jefferson County ($1,375).

  • 35215 $1,400$1,760

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

HUD lists 3 buildings with rents for lower incomes in Center Point. These are the largest.

  • The Pointe Apts 1802B Bond Cir NE, Center Point 35215 198 homes, 179 low-income · 1 bd: 56 · 2 bd: 107 · 3 bd: 35 · In service since 2007 · For families
  • Amberwood 1817 Amberwood Dr, Center Point 35215 104 low-income homes · 1 bd: 24 · 2 bd: 54 · 3 bd: 26 · In service since 2014 · For families
  • Carson Landing Apts 740 15th Ct NW, Center Point 35215 72 homes, 61 low-income · 1 bd: 12 · 2 bd: 36 · 3 bd: 24 · In service since 2002 · For families

See all 128 buildings in Jefferson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Center Point

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.

There are 6 HUD-approved agencies with an office in Jefferson County; 2 say they serve in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Center Point

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

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

  • United Way of Central Alabama, Inc.

    3600 8th Ave S, Birmingham · 10 miles away

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

  • Operation Hope- Birmingham Al

    2100 Park Pl, Birmingham · 11 miles away

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

  • Neighborhood Housing Services of Birmingham, Inc.

    601 19th St N, Birmingham · 11 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (205) 328-4292

Every agency in Jefferson County All counseling agencies in Alabama

Help in Spanish near Center Point

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 Center Point

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

  • Jefferson County Housing Authority Public housing and Section 8 vouchers (205) 849-0123

5 other authorities have an office in Jefferson County: see the list Source: HUD

Cities

Other cities in Jefferson County

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

Everything about Jefferson County Housing in Alabama
See 9 more cities in Jefferson County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Center Point, with the typical home value.

Neighboring counties

If Jefferson 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 Center Point.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Center Point

Short answers with the numbers for Center Point and all of Jefferson 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 Center Point?

The typical home value in Center Point is $151,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $240,000.

How much does it cost to rent in Center Point?

Typical rent in Center Point is $1,218 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $1,375.

What is the FHA loan limit in Center Point?

Center Point uses the FHA limit for all of Jefferson 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 Center Point?

The typical homeowner in Center Point pays $873 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Jefferson County, the rate is 0.59%.

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

There are 6 HUD-approved counseling agencies with an office in Jefferson County. 2 say they serve in Spanish. 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).