In Daphne, a typical home is worth $323,400 and typical rent is $1,388 a month. Compared with all of Baldwin County, typical household income is 11% higher, typical rent is 9% higher, and the share of households that own their home is 6 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $278,395 to $328,651.
Typical rent
$1,612a month
▲ 5.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,361 to $1,612.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Daphne is in Baldwin 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 Baldwin County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Chickasaw, the typical home value is $117,500: 64% less than in Daphne ($323,400).
2
Nearby, in Chickasaw, the typical rent is $960: 31% less than in Daphne ($1,388).
3
Daphne has the 6th smallest share of rent-burdened renters of the 101 cities in Alabama with more than 5,000 people (35%).
4
72% of households in Daphne own their home, against 78% in Baldwin County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Daphne
What homes there are in Daphne, 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
Daphne
Baldwin County
Alabama
United States
Kind of home: Daphne and its comparisons
Measure
Daphne
Baldwin County
Alabama
United States
Detached house
73%
65%
69%
61%
Attached house
3%
2%
2%
6%
Building of 2 to 4
5%
4%
5%
8%
Apartments (5 or more)
17%
19%
12%
19%
Mobile home
Unreliable estimate
10%
12%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
In Daphne, 7 in 10 homes are single-family detached houses; in Baldwin County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Daphne
Baldwin County
Alabama
United States
Year built: Daphne and its comparisons
Measure
Daphne
Baldwin County
Alabama
United States
Before 1960
4%
5%
16%
26%
1960–1979
15%
13%
26%
24%
1980–1999
42%
34%
29%
25%
2000–2009
18%
26%
15%
14%
2010 or later
22%
22%
13%
11%
The typical home in Daphne was built in 1995, 4 years before the typical one in Baldwin County.
In Daphne, 75% of homes have 3 bedrooms or more, more than in Baldwin County (72%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K10%
$200K–$300K31%
$300K–$500K38%
$500K–$750K11%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Daphne and its comparisons
Measure
Daphne
Under $100K
Unreliable estimate
$100K–$200K
10%
$200K–$300K
31%
$300K–$500K
38%
$500K–$750K
11%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9999%
$1,000–$1,49952%
$1,500–$1,99927%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Daphne and its comparisons
Measure
Daphne
Under $500
Unreliable estimate
$500–$999
9%
$1,000–$1,499
52%
$1,500–$1,999
27%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,713 a month
Baldwin County: $1,613 a month
Without a mortgage
$556 a month
Baldwin County: $474 a month
Owners with a mortgage
65%
Baldwin County: 59%
In Daphne, 65% of owners have a mortgage, and their typical cost is $1,713 a month, against $1,613 in Baldwin County. Without one it drops to $556.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Daphne+61%
Baldwin County+60%
Alabama+47%
United States+53%
Typical rent
Daphne+16%
Baldwin County+25%
Alabama+27%
United States+33%
Typical household income
Daphne+21%
Baldwin County+35%
Alabama+27%
United States+29%
Change since 2015–2019: Daphne and its comparisons
Measure
Daphne
Baldwin County
Alabama
United States
Typical home value
+61%
+60%
+47%
+53%
Typical rent
+16%
+25%
+27%
+33%
Typical household income
+21%
+35%
+27%
+29%
From 2015–2019 to 2020–2024, home values in Daphne rose at about the same pace as in Baldwin County: 61% against 60%.
The typical rent in Daphne rose 16% over the same time; in Baldwin County, it rose 25%.
The typical household income in Daphne rose 21% over that time; home values changed +61% and rent +16%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Daphne and its comparisons
Measure
Daphne
Baldwin County
Alabama
United States
Rental vacancy
Unreliable estimate
24.9%
7.2%
5.5%
Homeowner vacancy
Unreliable estimate
1.7%
1.1%
0.9%
More than one person per room
Unreliable estimate
1.6%
1.7%
3.4%
People per household
2.54
2.47
2.48
2.53
Drive alone
80%
79%
81%
69%
Carpool
4%
6%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
1%
3%
Work from home
15%
12%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Baldwin County, a household in Daphne has 2.54 people on average.
To get to work, 80% of workers in Daphne drive alone; in Baldwin County, 79%.
Do the math
What would you pay each month for a home in Daphne?
A typical home is tight for the typical income
We start with a typical home in Daphne, worth $323,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Daphne, which is $87,250 a year. For that payment to be 28% of income, a household would need to earn about $108,833 a year.
The calculator's FHA and conventional loan limits are those of all of Baldwin 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 Daphne. 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 $11,319 (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
$2,539
at 7.18% · 30 years
Loan amount
$317,542
Total interest
$456,869
Paid off in
November 2056
Includes $5,461 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,036 a month
Tight
$2,036 to $2,618 a month
Your payment · 35%
Hard
more than $2,618 a month
Compared with the typical household income in Daphne ($87,250 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,151
Property tax
$111
Home insurance
$135
FHA mortgage insurance (MIP)
$143
You need at least $11,319 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 $2,539; principal and interest $2,151.
The city and its county
Daphne and Baldwin County
Daphne is in Baldwin 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).
Daphne
Map of Baldwin County, Alabama, with Daphne marked. Around it, the neighboring counties.
Daphne
Baldwin County
Other cities with a page
Daphne's own numbers
Typical home value
$323,400
Typical monthly rent
$1,388
Typical yearly household income
$87,250
Households that own their home
72%
Effective property tax rate
0.41%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Baldwin County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,434
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
11%
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 Baldwin County.
A typical home in Daphne is worth $323,400: 2% above the county and 54% above Alabama. With the typical household income in Daphne ($87,250 a year), a typical home costs 3.7 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.
Daphne3.7 years
Baldwin4.0 years
Alabama3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Baldwin County
According to FHFA’s house price index, home prices in Baldwin County rose 103% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Baldwin County.
Yearly change in FHFA’s price index in Baldwin County, 2016 to 2025
2016: +5.1% +5.1% 2016
2017: +4.9% +4.9% 2017
2018: +5.6% +5.6% 2018
2019: +6.9% +6.9% 2019
2020: +4.4% +4.4% 2020
2021: +13.5% +13.5% 2021
2022: +17.3% +17.3% 2022
2023: +11.2% +11.2% 2023
2024: +3.0% +3.0% 2024
2025: +2.3% +2.3% 2025
Change in FHFA’s price index in Baldwin County, Alabama and the United States
Period
County
Alabama
U.S.
Last year (2025)
+2.3%
+2.5%
+2.9%
5 years (2020–2025)
+56%
+47%
+47%
10 years (2015–2025)
+103%
+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
Daphne next to Baldwin 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
Daphne$323,400
Baldwin$316,900
Alabama$209,900
United States$332,700
Typical monthly rent
Daphne$1,388
Baldwin$1,277
Alabama$1,007
United States$1,413
Typical yearly household income
Daphne$87,250
Baldwin$78,775
Alabama$63,999
United States$80,734
See the full table
Daphne next to Baldwin County and Alabama
Measure
Daphne
Baldwin County
Alabama
U.S.
Typical home value
$323,400 ▲2% above the county
$316,900
$209,900
$332,700
Typical monthly rent
$1,388 ▲9% above the county
$1,277
$1,007
$1,413
Typical yearly household income
$87,250 ▲11% above the county
$78,775
$63,999
$80,734
Households that own their home
72% ▼6 points below the county
78%
70%
65%
Typical yearly property tax
$1,314 ▲37% above the county
$960
$788
$3,119
Effective property tax rate
0.41% ▲0.11 points above the county
0.3%
0.38%
0.94%
Renters with high rent for their income
35% ▼12 points below the county
47%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Baldwin 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 Daphne
For a typical $323,400 home in Daphne, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Daphne's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,539a month
Least cash to close
Down payment
$11,319
Cash to close
$21,021
Rate
7.18%
Mortgage insurance
FHA MIP · $143
Conventional, 5% down$2,480a month
Down payment
$16,170
Cash to close
$25,872
Rate
7.18%
Mortgage insurance
PMI · $154
Conventional, 20% down, no PMI$1,998a month
Down payment
$64,680
Cash to close
$74,382
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,297a month
Down payment
$48,510
Cash to close
$58,212
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Daphne
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,539
$11,319
$317,542
7.18%
FHA MIP · $143
$21,021
580
Conventional, 5% down
$2,480
$16,170
$307,230
7.18%
PMI · $154
$25,872
620*
Conventional, 20% down, no PMI
$1,998
$64,680
$258,720
7.18%
None
$74,382
620*
ITIN, 15% down (example)
$2,297
$48,510
$274,890
8.18%
None
$58,212
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 Daphne is $1,388 a month: 9% above the county. In Daphne, 35% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Baldwin County, by unit size. To pay the 2-bedroom one ($1,434 a month) without spending more than 30% of your income, you would need to earn $27.58 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 Baldwin County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,180
$22.69
$47,200
1 bedroom
$1,317
$25.33
$52,680
2 bedrooms
$1,434
$27.58
$57,360
3 bedrooms
$1,855
$35.67
$74,200
4 bedrooms
$2,347
$45.13
$93,880
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 Daphne
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Daphne is in ZIP code 36526.
For 2 bedrooms it is $1,600: $166 more than the fair market rent for Baldwin County ($1,434).
Fair market rent by ZIP code and size in Daphne, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
36526
$1,320
$1,470
$1,600
$2,070
$2,620
ZIP code2 bd3 bd
36526 $1,600$2,070
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Daphne 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 3 buildings with rents for lower incomes in Daphne. These are the largest.
Arbors By the Bay27642 US Highway 98, Daphne 36526150 low-income homes · 1 bd: 18 · 2 bd: 70 · 3 bd: 62 · In service since 2008 · For people with disabilities, families
Ahepa 310 Xii1409 Pollard Rd, Daphne 3652639 low-income homes · For older adults(251) 626-9228
Daphne Group Home513 Main St, Daphne 3652610 homes, 9 low-income · For people with disabilities(251) 666-4431
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 Baldwin 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 Daphne or Baldwin County. The ones below are statewide in Alabama: they work in Daphne 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 Daphne or Baldwin 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 Daphne and all of Baldwin 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 Daphne?
The typical home value in Daphne is $323,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Baldwin County it is $316,900.
How much does it cost to rent in Daphne?
Typical rent in Daphne is $1,388 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Baldwin County is $1,434.
What is the FHA loan limit in Daphne?
Daphne uses the FHA limit for all of Baldwin 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 Daphne?
The typical homeowner in Daphne pays $1,314 a year, according to the U.S. Census Bureau. That is 0.41% of the home’s value; in Baldwin County, the rate is 0.3%.
Where can I find free help to buy or rent in Daphne?
We found no HUD-approved counseling agencies with an office in Baldwin County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
