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City · 12,584 residents · Barbour County, Alabama

Eufaula , Alabama

In Eufaula, a typical home is worth $139,900 and typical rent is $698 a month. Compared with all of Barbour County, the typical home value is 24% higher and the share of households that own their home is 7 points lower.

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  • Typical home value

    $139,900

    24% above the county

    33% below Alabama

    • Eufaula
    • Barbour
    • Alabama

  • Typical rent

    $698a month

    About the same as the county

    31% below Alabama

    • Eufaula
    • Barbour
    • Alabama

  • Typical household income

    $47,392a year

    3% above the county

    26% below Alabama

    • Eufaula
    • Barbour
    • Alabama

  • Households that own their home

    61%

    7 points below the county

    9 points below Alabama

    • Eufaula
    • Barbour
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$169,706
4.5% more than 12 months ago

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

Eufaula is in Barbour 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 Barbour County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Eufaula apart

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

  1. Nearby, in Tuskegee, the typical home value is $104,800: 25% less than in Eufaula ($139,900).

  2. The typical home in Eufaula is worth $139,900, 24% more than in Barbour County as a whole ($112,900).

  3. Eufaula has the 7th smallest share of rent-burdened renters of the 101 cities in Alabama with more than 5,000 people (35%).

  4. 9% of households in Eufaula have no internet at home (19% in Barbour County).

  5. 61% of households in Eufaula own their home, against 68% in Barbour County.

  6. Eufaula has the 12th lowest typical rent of the 117 cities in Alabama with more than 5,000 people ($698).

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

The homes here

Housing in Eufaula

What homes there are in Eufaula, 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 69% of homes here, against 61% in Barbour County.

Year built

By age, homes in Eufaula look like those in Barbour County: the typical year built is 1981.

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 96% of owner-occupied homes in Eufaula are worth less than $500,000, below the FHA loan limit for Barbour County ($541,287).

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($921), about 65% of rented homes in Eufaula cost less.

With a mortgage

$1,337 a month

Barbour County: $1,242 a month

Without a mortgage

$460 a month

Barbour County: $409 a month

Owners with a mortgage

46%

Barbour County: 41%

Owning costs more in Eufaula: with a mortgage, the typical cost is $1,337 a month; in Barbour County, $1,242. Without one, $460.

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 Eufaula stayed about the same since 2015–2019: the Census sees no clear change.

Rents in Eufaula rose at about the same pace as in Barbour County: 21% since 2015–2019, against 19%.

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

MeasureEufaulaBarbour CountyAlabamaUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.2%5.5%
Homeowner vacancy Unreliable estimate3.6%1.1%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.7%3.4%
People per household 2.492.372.482.53
Drive alone 83%83%81%69%
Carpool 9%9%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 7%7%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Eufaula are bigger: 2.49 people on average; in Barbour County, 2.37.

To get to work, 83% of workers in Eufaula drive alone; in Barbour 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 Eufaula?

A typical home is within reach of the typical income

We start with a typical home in Eufaula, worth $139,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Eufaula, which is $47,392 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Eufaula. 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 $4,897 (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

$1,103

at 7.18% · 30 years

Loan amount
$137,366
Total interest
$197,637
Paid off in
November 2056

Includes $2,363 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,106 a month

    Your payment · 28%

  • Tight

    $1,106 to $1,422 a month

  • Hard

    more than $1,422 a month

Compared with the typical household income in Eufaula ($47,392 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,103
Principal & interest$931
Property tax$53
Home insurance$58
FHA mortgage insurance (MIP)$62

You need at least $4,897 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

Eufaula and Barbour County

Eufaula is in Barbour 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).

Eufaula's own numbers

Typical home value
$139,900
Typical monthly rent
$698
Typical yearly household income
$47,392
Households that own their home
61%
Effective property tax rate
0.45%

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

Numbers for all of Barbour 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)
+25%
Homes in a high flood-risk zone
1.5%

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 Barbour County.

Everything about Barbour County

Buying

Buying a home in Eufaula

A typical home in Eufaula is worth $139,900: 24% above the county and 33% below Alabama. With the typical household income in Eufaula ($47,392 a year), a typical home costs 3.0 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.

  • Eufaula 3.0 years
  • Barbour 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 Barbour County

According to FHFA’s house price index, home prices in Barbour County rose 34% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) +0.7% +2.5% +2.9%
5 years (2020–2025) +25% +47% +47%
10 years (2015–2025) +34% +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

Eufaula next to Barbour 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
  • Eufaula $139,900
  • Barbour $112,900
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Eufaula $698
  • Barbour $688
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Eufaula $47,392
  • Barbour $46,042
  • Alabama $63,999
  • United States $80,734
See the full table
Eufaula next to Barbour County and Alabama
Measure Eufaula Barbour County Alabama U.S.
Typical home value $139,900 $112,900 $209,900 $332,700
Typical monthly rent $698 $688 $1,007 $1,413
Typical yearly household income $47,392 $46,042 $63,999 $80,734
Households that own their home 61% 68% 70% 65%
Typical yearly property tax $630 $462 $788 $3,119
Effective property tax rate 0.45% 0.41% 0.38% 0.94%
Renters with high rent for their income 35% 37% 49% 51%

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

For a typical $139,900 home in Eufaula, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Eufaula's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,103a month

    Least cash to close
    Down payment
    $4,897
    Cash to close
    $9,094
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $62

  • Conventional, 5% down $1,078a month

    Down payment
    $6,995
    Cash to close
    $11,192
    Rate
    7.18%
    Mortgage insurance
    PMI · $66

  • Conventional, 20% down, no PMI $869a month

    Down payment
    $27,980
    Cash to close
    $32,177
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $998a month

    Down payment
    $20,985
    Cash to close
    $25,182
    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 Eufaula and for Barbour County.

Property tax

Effective rate in Eufaula

0.45%of the home’s value each year

$630 a year for the typical owner in Eufaula.

  • Eufaula 0.45%
  • Barbour 0.41%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Barbour County

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

Homes in the high-risk zone
1.5%
156
Of those, with NFIP insurance
13%
County Alabama U.S.
Homes in the high-risk zone 1.5% 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 Eufaula

Typical rent in Eufaula is $698 a month: about the same as the county. In Eufaula, 35% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Barbour 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 Barbour 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 $720 $13.85 $28,800
1 bedroom $846 $16.27 $33,840
2 bedrooms $921 $17.71 $36,840
3 bedrooms $1,255 $24.13 $50,200
4 bedrooms $1,284 $24.69 $51,360

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 Eufaula

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Eufaula is in ZIP code 36027.

For 2 bedrooms it is $1,000: $79 more than the fair market rent for Barbour County ($921).

  • 36027 $1,000$1,360

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

HUD lists 11 buildings with rents for lower incomes in Eufaula. These are the largest.

  • Chattahoochee Courts 816 S Randolph Ave, Eufaula 36027 165 low-income homes · Run by Eufaula Housing Authority · Average payment: $383 a month · Average wait: 7 months (334) 687-2451
  • Western Heights 79 Jackson St, Eufaula 36027 160 low-income homes · Run by Eufaula Housing Authority · Average payment: $357 a month · Average wait: 3 months (334) 687-2451
  • Bluff Park Apts 100 Bluff Park, Eufaula 36027 66 low-income homes · For families (334) 687-6939
  • Eufaula Estates 2115 S Randolph Ave, Eufaula 36027 53 low-income homes · 1 bd: 50 · 2 bd: 3 · In service since 2015
  • Lakewood Apartments 1230 Pine Ave, Eufaula 36027 50 low-income homes · For older adults (334) 687-7311

See all 16 buildings in Barbour County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Eufaula

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

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Eufaula

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

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

  • Legal Services Alabama Inc

    2567 Fairlane Drive Suite 300, Montgomery · 69 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (886) 456-4995

  • NSC (naca Counseling Subsidiary) - Birmingham, AL

    529 Beacon Pkwy W Ste 204, Birmingham · 145 miles away · Spanish

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

  • United Way of Central Alabama, Inc.

    3600 8th Ave S, Birmingham · 145 miles away

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

All counseling agencies in Alabama

Help in Spanish near Eufaula

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 Eufaula

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

  • Eufaula Housing Authority Public housing and Section 8 vouchers (334) 687-2451

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

Cities

Nearby cities

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

Everything about Barbour County Housing in Alabama

Neighboring counties

If Barbour 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 Eufaula.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Eufaula

Short answers with the numbers for Eufaula and all of Barbour 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 Eufaula?

The typical home value in Eufaula is $139,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Barbour County it is $112,900.

How much does it cost to rent in Eufaula?

Typical rent in Eufaula is $698 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Barbour County is $921.

What is the FHA loan limit in Eufaula?

Eufaula uses the FHA limit for all of Barbour 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 Eufaula?

The typical homeowner in Eufaula pays $630 a year, according to the U.S. Census Bureau. That is 0.45% of the home’s value; in Barbour County, the rate is 0.41%.

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

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