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City · 6,908 residents · Marengo County, Alabama

Demopolis , Alabama

In Demopolis, a typical home is worth $183,600 and typical rent is $692 a month. Compared with all of Marengo County, the typical home value is 71% higher, typical household income is 21% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $183,600

    71% above the county

    13% below Alabama

    • Demopolis
    • Marengo
    • Alabama

  • Typical rent

    $692a month

    3% below the county

    31% below Alabama

    • Demopolis
    • Marengo
    • Alabama

  • Typical household income

    $34,802a year

    21% below the county

    46% below Alabama

    • Demopolis
    • Marengo
    • Alabama

  • Households that own their home

    55%

    15 points below the county

    15 points below Alabama

    • Demopolis
    • Marengo
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$152,497
2.2% more than 12 months ago

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

Demopolis is in Marengo 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 Marengo County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Demopolis apart

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

  1. The typical home in Demopolis is worth $183,600, 71% more than in Marengo County as a whole ($107,400).

  2. Demopolis has the 3rd lowest typical household income of the 120 cities in Alabama with more than 5,000 people ($34,802).

  3. Nearby, in Selma, the typical home value is $96,500: 47% less than in Demopolis ($183,600).

  4. 55% of households in Demopolis own their home, against 70% in Marengo County.

  5. Demopolis has the 9th lowest typical rent of the 117 cities in Alabama with more than 5,000 people ($692).

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

The homes here

Housing in Demopolis

What homes there are in Demopolis, 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 houses, standing on their own, make up 65% of homes here, against 57% in Marengo County.

Year built

The typical home in Demopolis was built in 1976, 6 years before the typical one in Marengo County.

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

At least 99% of owner-occupied homes in Demopolis are worth less than $500,000, below the FHA loan limit for Marengo County ($541,287).

Monthly rent with utilities

With a mortgage

$1,381 a month

Marengo County: $1,286 a month

Without a mortgage

$486 a month

Marengo County: $449 a month

Owners with a mortgage

37%

Marengo County: 35%

In Demopolis, 37% of owners have a mortgage, and their typical cost is $1,381 a month, against $1,286 in Marengo County. Without one it drops to $486.

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 Demopolis gained value faster than in Marengo County: 56% against 27%.

Much as in Marengo County, the typical rent in Demopolis rose 29% since 2015–2019.

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

MeasureDemopolisMarengo 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 2.032.362.482.53
Drive alone 87%83%81%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate5%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.03 on average, against 2.36 in Marengo County.

In Demopolis, 87% of workers drive alone to work; in Marengo County, 83%.

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 Demopolis?

A typical home costs more than the typical income allows

We start with a typical home in Demopolis, worth $183,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Demopolis, which is $34,802 a year. For that payment to be 28% of income, a household would need to earn about $62,442 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Demopolis. 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 $6,426 (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

$1,457

at 7.18% · 30 years

Loan amount
$180,275
Total interest
$259,373
Paid off in
November 2056

Includes $3,101 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $812 a month

  • Tight

    $812 to $1,044 a month

  • Hard

    more than $1,044 a month

    Your payment · 50%

Compared with the typical household income in Demopolis ($34,802 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,457
Principal & interest$1,221
Property tax$78
Home insurance$77
FHA mortgage insurance (MIP)$81

You need at least $6,426 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

Demopolis and Marengo County

Demopolis is in Marengo 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).

Demopolis's own numbers

Typical home value
$183,600
Typical monthly rent
$692
Typical yearly household income
$34,802
Households that own their home
55%
Effective property tax rate
0.51%

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

Numbers for all of Marengo 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)
+24%
Homes in a high flood-risk zone
5.5%

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 Marengo County.

Everything about Marengo County

Buying

Buying a home in Demopolis

A typical home in Demopolis is worth $183,600: 71% above the county and 13% below Alabama. With the typical household income in Demopolis ($34,802 a year), a typical home costs 5.3 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.

  • Demopolis 5.3 years
  • Marengo 2.5 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Marengo County

According to FHFA’s house price index, home prices in Marengo County rose 39% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) −5.5% +2.5% +2.9%
5 years (2020–2025) +24% +47% +47%
10 years (2015–2025) +39% +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

Demopolis next to Marengo 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
  • Demopolis $183,600
  • Marengo $107,400
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Demopolis $692
  • Marengo $716
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Demopolis $34,802
  • Marengo $43,825
  • Alabama $63,999
  • United States $80,734
See the full table
Demopolis next to Marengo County and Alabama
Measure Demopolis Marengo County Alabama U.S.
Typical home value $183,600 $107,400 $209,900 $332,700
Typical monthly rent $692 $716 $1,007 $1,413
Typical yearly household income $34,802 $43,825 $63,999 $80,734
Households that own their home 55% 70% 70% 65%
Typical yearly property tax $943 $409 $788 $3,119
Effective property tax rate 0.51% 0.38% 0.38% 0.94%
Renters with high rent for their income 60% 54% 49% 51%

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

For a typical $183,600 home in Demopolis, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Demopolis's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,457a month

    Least cash to close
    Down payment
    $6,426
    Cash to close
    $11,934
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $81

  • Conventional, 5% down $1,423a month

    Down payment
    $9,180
    Cash to close
    $14,688
    Rate
    7.18%
    Mortgage insurance
    PMI · $87

  • Conventional, 20% down, no PMI $1,150a month

    Down payment
    $36,720
    Cash to close
    $42,228
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,319a month

    Down payment
    $27,540
    Cash to close
    $33,048
    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 Demopolis and for Marengo County.

Property tax

Effective rate in Demopolis

0.51%of the home’s value each year

$943 a year for the typical owner in Demopolis.

  • Demopolis 0.51%
  • Marengo 0.38%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Marengo County

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

Homes in the high-risk zone
5.5%
465
Of those, with NFIP insurance
12%
County Alabama U.S.
Homes in the high-risk zone 5.5% 3.2% 3.5%
Of those, with NFIP insurance 12% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Demopolis

Typical rent in Demopolis is $692 a month: 3% below the county. In Demopolis, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Marengo 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 Marengo 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 $812 $15.62 $32,480
1 bedroom $819 $15.75 $32,760
2 bedrooms $921 $17.71 $36,840
3 bedrooms $1,219 $23.44 $48,760
4 bedrooms $1,280 $24.62 $51,200

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 Demopolis

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

For 2 bedrooms it runs from $920 in 36732 to $1,060 in 36742.

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

  • 36732 $920$1,220
  • 36742 $1,060$1,350

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Demopolis 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 Demopolis

HUD lists 9 buildings with rents for lower incomes in Demopolis. These are the largest.

  • Allen Gaston Lane Homes 404 E Morgan St, Demopolis 36732 180 low-income homes · Run by Housing Authority of the City of Demopolis, AL · Average payment: $343 a month · Average wait: 8 months (334) 289-1347
  • Arbours at Demopolis Apartments 1403 Highway 43 S, Demopolis 36732 80 low-income homes · For families (334) 289-5944
  • Quail Meadows Apts 955 S Front Ave, Demopolis 36732 40 low-income homes · 1 bd: 16 · 2 bd: 16 · 3 bd: 8 · In service since 2005 · For people with disabilities, families
  • Riverside Apts 1800 Highway 43 S, Demopolis 36732 40 low-income homes · 1 bd: 32 · 2 bd: 8 · In service since 2007 · For older adults, people with disabilities
  • Edgemont Village I 1303 Edgemont Dr, Demopolis 36732 36 low-income homes · 3 bd: 30 · 4 bd: 6 · In service since 2007 · For people with disabilities, families

See all 13 buildings in Marengo County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Demopolis

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

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Demopolis

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

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

  • Community Service Programs of West Alabama, Inc.

    601 Black Bears Way, Tuscaloosa · 51 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (205) 469-0397

  • City of Tuscaloosa - Office of Community and Neighborhood Services

    2201 University Blvd, Tuscaloosa · 51 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 7 more
    (205) 248-5080

  • NSC (naca Counseling Subsidiary) - Birmingham, AL

    529 Beacon Pkwy W Ste 204, Birmingham · 89 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (205) 942-8111

All counseling agencies in Alabama

Help in Spanish near Demopolis

2 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 Demopolis

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

  • Housing Authority of the City of Demopolis, AL Public housing (334) 289-1347

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

Cities

Nearby cities

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

Everything about Marengo County Housing in Alabama

Neighboring counties

If Marengo 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 Demopolis.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Demopolis

Short answers with the numbers for Demopolis and all of Marengo 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 Demopolis?

The typical home value in Demopolis is $183,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Marengo County it is $107,400.

How much does it cost to rent in Demopolis?

Typical rent in Demopolis is $692 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Marengo County is $921.

What is the FHA loan limit in Demopolis?

Demopolis uses the FHA limit for all of Marengo 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 Demopolis?

The typical homeowner in Demopolis pays $943 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in Marengo County, the rate is 0.38%.

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

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