In Clanton, a typical home is worth $166,300 and typical rent is $869 a month. Compared with all of Chilton County, typical household income is 28% lower and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $183,960 to $223,028.
Typical rent
$1,318a month
▲ 1.9% more than 12 months ago
Typical rent from Zillow, June 2025 to September 2026: from $1,276 to $1,318.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Clanton is in Chilton 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 Chilton County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical household income in Clanton is $47,520,28% less than in Chilton County as a whole ($65,603).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Clanton rose 5.8%; in Alabama, it rose 1.9%.
3
64% of households in Clanton own their home, against 77% in Chilton County.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Clanton
What homes there are in Clanton, 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
Clanton
Chilton County
Alabama
United States
Kind of home: Clanton and its comparisons
Measure
Clanton
Chilton County
Alabama
United States
Detached house
70%
64%
69%
61%
Attached house
Unreliable estimate
Unreliable estimate
2%
6%
Building of 2 to 4
9%
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
12%
19%
Mobile home
11%
30%
12%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Clanton: 70% of homes, more than in Chilton County (64%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Clanton
Chilton County
Alabama
United States
Year built: Clanton and its comparisons
Measure
Clanton
Chilton County
Alabama
United States
Before 1960
19%
14%
16%
26%
1960–1979
38%
28%
26%
24%
1980–1999
18%
28%
29%
25%
2000–2009
17%
19%
15%
14%
2010 or later
10%
12%
13%
11%
Homes in Clanton are older: the typical year built is 1977; in Chilton County, 1988.
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 $100K27%
$100K–$200K31%
$200K–$300K30%
$300K–$500K10%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Clanton and its comparisons
Measure
Clanton
Under $100K
27%
$100K–$200K
31%
$200K–$300K
30%
$300K–$500K
10%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
At least 98% of owner-occupied homes in Clanton are worth less than $500,000, below the FHA loan limit for Chilton County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99950%
$1,000–$1,49931%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Clanton and its comparisons
Measure
Clanton
Under $500
Unreliable estimate
$500–$999
50%
$1,000–$1,499
31%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,232 a month
Chilton County: $1,269 a month
Without a mortgage
$427 a month
Chilton County: $419 a month
Owners with a mortgage
56%
Chilton County: 44%
In Clanton, 56% of owners have a mortgage; their typical cost is $1,232 a month, about the same as in Chilton County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Clanton+26%
Chilton County+50%
Alabama+47%
United States+53%
Typical rent
Clanton+27%
Chilton County+20%
Alabama+27%
United States+33%
Typical household income
ClantonNo clear change
Chilton County+38%
Alabama+27%
United States+29%
Change since 2015–2019: Clanton and its comparisons
Measure
Clanton
Chilton County
Alabama
United States
Typical home value
+26%
+50%
+47%
+53%
Typical rent
+27%
+20%
+27%
+33%
Typical household income
No clear change
+38%
+27%
+29%
Homes in Clanton gained value more slowly than in Chilton County: 26% since 2015–2019, against 50%.
The typical rent in Clanton rose 27% over the same time; in Chilton County, it rose 20%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Clanton and its comparisons
Measure
Clanton
Chilton County
Alabama
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
2.6%
1.7%
3.4%
People per household
2.29
2.55
2.48
2.53
Drive alone
80%
81%
81%
69%
Carpool
Unreliable estimate
11%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
Unreliable estimate
6%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.29 on average, against 2.55 in Chilton County.
To get to work, 80% of workers in Clanton drive alone; in Chilton County, 81%.
Do the math
What would you pay each month for a home in Clanton?
A typical home is tight for the typical income
We start with a typical home in Clanton, worth $166,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Clanton, which is $47,520 a year. For that payment to be 28% of income, a household would need to earn about $56,083 a year.
The calculator's FHA and conventional loan limits are those of all of Chilton 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 Clanton. 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 $5,821 (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
$1,309
at 7.18% · 30 years
Loan amount
$163,287
Total interest
$234,932
Paid off in
November 2056
Includes $2,808 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,109 a month
Tight
$1,109 to $1,426 a month
Your payment · 33%
Hard
more than $1,426 a month
Compared with the typical household income in Clanton ($47,520 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,106
Property tax
$60
Home insurance
$69
FHA mortgage insurance (MIP)
$74
You need at least $5,821 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 $1,309; principal and interest $1,106.
The city and its county
Clanton and Chilton County
Clanton is in Chilton 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).
Clanton
Map of Chilton County, Alabama, with Clanton marked. Around it, the neighboring counties.
Clanton
Chilton County
Other cities with a page
Clanton's own numbers
Typical home value
$166,300
Typical monthly rent
$869
Typical yearly household income
$47,520
Households that own their home
64%
Effective property tax rate
0.43%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Chilton County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,038
Price change over 5 years (FHFA)
+42%
Homes in a high flood-risk zone
1.3%
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 Chilton County.
A typical home in Clanton is worth $166,300: 3% above the county and 21% below Alabama. With the typical household income in Clanton ($47,520 a year), a typical home costs 3.5 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.
Clanton3.5 years
Chilton2.5 years
Alabama3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Chilton County
According to FHFA’s house price index, home prices in Chilton County rose 70% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Chilton County.
Yearly change in FHFA’s price index in Chilton County, 2016 to 2025
2016: +2.6% +2.6% 2016
2017: +4.5% +4.5% 2017
2018: +1.9% +1.9% 2018
2019: +5.0% +5.0% 2019
2020: +4.2% +4.2% 2020
2021: +9.8% +9.8% 2021
2022: +18.7% +18.7% 2022
2023: +6.7% +6.7% 2023
2024: +3.9% +3.9% 2024
2025: −1.4% −1.4% 2025
Change in FHFA’s price index in Chilton County, Alabama and the United States
Period
County
Alabama
U.S.
Last year (2025)
−1.4%
+2.5%
+2.9%
5 years (2020–2025)
+42%
+47%
+47%
10 years (2015–2025)
+70%
+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
Clanton next to Chilton 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
Clanton$166,300
Chilton$161,300
Alabama$209,900
United States$332,700
Typical monthly rent
Clanton$869
Chilton$871
Alabama$1,007
United States$1,413
Typical yearly household income
Clanton$47,520
Chilton$65,603
Alabama$63,999
United States$80,734
See the full table
Clanton next to Chilton County and Alabama
Measure
Clanton
Chilton County
Alabama
U.S.
Typical home value
$166,300 ▲3% above the county
$161,300
$209,900
$332,700
Typical monthly rent
$869
$871
$1,007
$1,413
Typical yearly household income
$47,520 ▼28% below the county
$65,603
$63,999
$80,734
Households that own their home
64% ▼13 points below the county
77%
70%
65%
Typical yearly property tax
$708 ▲32% above the county
$537
$788
$3,119
Effective property tax rate
0.43% ▲0.1 points above the county
0.33%
0.38%
0.94%
Renters with high rent for their income
41% ▲5 points above the county
35%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Chilton 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 Clanton
For a typical $166,300 home in Clanton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clanton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,309a month
Least cash to close
Down payment
$5,821
Cash to close
$10,810
Rate
7.18%
Mortgage insurance
FHA MIP · $74
Conventional, 5% down$1,278a month
Down payment
$8,315
Cash to close
$13,304
Rate
7.18%
Mortgage insurance
PMI · $79
Conventional, 20% down, no PMI$1,030a month
Down payment
$33,260
Cash to close
$38,249
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,184a month
Down payment
$24,945
Cash to close
$29,934
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Clanton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,309
$5,821
$163,288
7.18%
FHA MIP · $74
$10,810
580
Conventional, 5% down
$1,278
$8,315
$157,985
7.18%
PMI · $79
$13,304
620*
Conventional, 20% down, no PMI
$1,030
$33,260
$133,040
7.18%
None
$38,249
620*
ITIN, 15% down (example)
$1,184
$24,945
$141,355
8.18%
None
$29,934
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 Clanton is $869 a month: about the same as the county. In Clanton, 41% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Chilton County, by unit size. To pay the 2-bedroom one ($1,038 a month) without spending more than 30% of your income, you would need to earn $19.96 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 Chilton County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$788
$15.15
$31,520
1 bedroom
$793
$15.25
$31,720
2 bedrooms
$1,038
$19.96
$41,520
3 bedrooms
$1,309
$25.17
$52,360
4 bedrooms
$1,641
$31.56
$65,640
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 Clanton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clanton has 2 ZIP codes with their own.
For 2 bedrooms it runs from $920 in 35046 to $1,080 in 35045.
1 of the 2 is above the fair market rent for Chilton County ($1,038).
Fair market rent by ZIP code and size in Clanton, fiscal year 2027.
35045
$820
$830
$1,080
$1,360
$1,710
35046
$700
$700
$920
$1,160
$1,460
ZIP code2 bd3 bd
35045 $1,080$1,360
35046 $920$1,160
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Clanton 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 5 buildings with rents for lower incomes in Clanton. These are the largest.
Norfield100A Kemp St, Clanton 35045178 low-income homes · Run by Housing Authority of the City of Clanton · Average payment: $367 a month · Average wait: 17 months(205) 755-1801
Cobblestone Village Apartments736 Scott Drive, Clanton 3504556 low-income homes · 1 bd: 28 · 2 bd: 28 · In service since 2016
Ezra Cunningham Apts100 Inverness Dr, Clanton 3504556 low-income homes · 2 bd: 40 · 3 bd: 16 · In service since 1999 · For people with disabilities, families
Clanton Villas2806 7th St N, Clanton 3504533 low-income homes · 1 bd: 32 · 2 bd: 1 · In service since 1990 · For older adults, people with disabilities, families
Katherine Vickery Group Home1105 Lay Dam Rd, Clanton 3504511 homes, 10 low-income · For people with disabilities(205) 280-0825
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 Chilton 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 Clanton or Chilton County. The ones below are statewide in Alabama: they work in Clanton 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 Clanton or Chilton 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 Clanton and all of Chilton 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 Clanton?
The typical home value in Clanton is $166,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chilton County it is $161,300.
How much does it cost to rent in Clanton?
Typical rent in Clanton is $869 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chilton County is $1,038.
What is the FHA loan limit in Clanton?
Clanton uses the FHA limit for all of Chilton 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 Clanton?
The typical homeowner in Clanton pays $708 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in Chilton County, the rate is 0.33%.
Where can I find free help to buy or rent in Clanton?
We found no HUD-approved counseling agencies with an office in Chilton County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
