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City · 24,026 residents · Baldwin County, Alabama

Foley , Alabama

In Foley, a typical home is worth $289,300 and typical rent is $1,242 a month. Compared with all of Baldwin County, typical household income is 16% lower, the typical home value is 9% lower, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $289,300

    9% below the county

    38% above Alabama

    • Foley
    • Baldwin
    • Alabama

  • Typical rent

    $1,242a month

    3% below the county

    23% above Alabama

    • Foley
    • Baldwin
    • Alabama

  • Typical household income

    $66,336a year

    16% below the county

    4% above Alabama

    • Foley
    • Baldwin
    • Alabama

  • Households that own their home

    71%

    7 points below the county

    1 points above Alabama

    • Foley
    • Baldwin
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$302,999
1.6% less than 12 months ago
Typical rent
$1,691 a month
2.9% more than 12 months ago

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

Foley 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Foley apart

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

  1. Foley has the 5th largest share of rent-burdened renters of the 101 cities in Alabama with more than 5,000 people (64%).

  2. Nearby, in Robertsdale, the typical home value is $229,300: 21% less than in Foley ($289,300).

  3. Nearby, in Robertsdale, the typical rent is $996: 20% less than in Foley ($1,242).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Foley fell 1.6%; in Alabama, it rose 1.9%.

  5. The typical household income in Foley is $66,336, 16% less than in Baldwin County as a whole ($78,775).

  6. 71% of households in Foley own their home, against 78% in Baldwin County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Foley

What homes there are in Foley, 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

The detached house rules in Foley: 72% of homes, more than in Baldwin County (65%).

Year built

Homes in Foley are newer: the typical year built is 2004; in Baldwin County, 1999.

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

With an FHA limit of $541,287, at least 91% of owner-occupied homes in Foley sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,426 a month

Baldwin County: $1,613 a month

Without a mortgage

$468 a month

Baldwin County: $474 a month

Owners with a mortgage

56%

Baldwin County: 59%

The typical cost for an owner with a mortgage in Foley is $1,426 a month, less than in Baldwin County ($1,613); without one, $468.

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

Much as in Baldwin County, the typical home value in Foley rose 63% since 2015–2019.

Since 2015–2019, the typical rent in Foley rose 45%, more than in Baldwin County (25%).

While home values in Foley changed +63% and rent +45%, the typical household income rose 52%.

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

MeasureFoleyBaldwin CountyAlabamaUnited States
Rental vacancy Unreliable estimate24.9%7.2%5.5%
Homeowner vacancy Unreliable estimate1.7%1.1%0.9%
More than one person per room Unreliable estimate1.6%1.7%3.4%
People per household 2.102.472.482.53
Drive alone 79%79%81%69%
Carpool 7%6%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 11%12%9%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.10 on average, against 2.47 in Baldwin County.

In Foley, 79% of workers drive alone to work; in Baldwin County, 79%.

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 Foley?

A typical home costs more than the typical income allows

We start with a typical home in Foley, worth $289,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Foley, which is $66,336 a year. For that payment to be 28% of income, a household would need to earn about $95,910 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Foley. 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 $10,126 (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

$2,238

at 7.18% · 30 years

Loan amount
$284,060
Total interest
$408,695
Paid off in
November 2056

Includes $4,886 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,548 a month

  • Tight

    $1,548 to $1,990 a month

  • Hard

    more than $1,990 a month

    Your payment · 40%

Compared with the typical household income in Foley ($66,336 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,238
Principal & interest$1,924
Property tax$65
Home insurance$121
FHA mortgage insurance (MIP)$128

You need at least $10,126 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

Foley and Baldwin County

Foley 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).

Foley's own numbers

Typical home value
$289,300
Typical monthly rent
$1,242
Typical yearly household income
$66,336
Households that own their home
71%
Effective property tax rate
0.27%

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.

Everything about Baldwin County

Buying

Buying a home in Foley

A typical home in Foley is worth $289,300: 9% below the county and 38% above Alabama. With the typical household income in Foley ($66,336 a year), a typical home costs 4.4 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.

  • Foley 4.4 years
  • Baldwin 4.0 years
  • Alabama 3.3 years
  • United States 4.1 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.

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

Foley 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
  • Foley $289,300
  • Baldwin $316,900
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Foley $1,242
  • Baldwin $1,277
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Foley $66,336
  • Baldwin $78,775
  • Alabama $63,999
  • United States $80,734
See the full table
Foley next to Baldwin County and Alabama
Measure Foley Baldwin County Alabama U.S.
Typical home value $289,300 $316,900 $209,900 $332,700
Typical monthly rent $1,242 $1,277 $1,007 $1,413
Typical yearly household income $66,336 $78,775 $63,999 $80,734
Households that own their home 71% 78% 70% 65%
Typical yearly property tax $794 $960 $788 $3,119
Effective property tax rate 0.27% 0.3% 0.38% 0.94%
Renters with high rent for their income 64% 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 Foley

For a typical $289,300 home in Foley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Foley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,238a month

    Least cash to close
    Down payment
    $10,126
    Cash to close
    $18,805
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $128

  • Conventional, 5% down $2,185a month

    Down payment
    $14,465
    Cash to close
    $23,144
    Rate
    7.18%
    Mortgage insurance
    PMI · $137

  • Conventional, 20% down, no PMI $1,753a month

    Down payment
    $57,860
    Cash to close
    $66,539
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,021a month

    Down payment
    $43,395
    Cash to close
    $52,074
    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 Foley and for Baldwin County.

Property tax

Effective rate in Foley

0.27%of the home’s value each year

$794 a year for the typical owner in Foley.

  • Foley 0.27%
  • Baldwin 0.3%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Baldwin County

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

Homes in the high-risk zone
11%
10,442
Of those, with NFIP insurance
64%
County Alabama U.S.
Homes in the high-risk zone 11% 3.2% 3.5%
Of those, with NFIP insurance 64% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Foley

Typical rent in Foley is $1,242 a month: 3% below the county. In Foley, 64% 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.

HUD fair market rent for all of Baldwin 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 $1,180 $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 Foley

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Foley is in ZIP code 36535.

For 2 bedrooms it is $1,320: $114 less than the fair market rent for Baldwin County ($1,434).

  • 36535 $1,320$1,710

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

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

  • Alison Pointe Apts 9921 Bethany Dr, Foley 36535 128 low-income homes · 1 bd: 48 · 2 bd: 64 · 3 bd: 16 · In service since 2008 · For families
  • Savannah Park 300 E Lawson Ave, Foley 36535 80 homes, 68 low-income · 1 bd: 8 · 2 bd: 40 · 3 bd: 32 · In service since 2002 · For people with disabilities, families
  • Regency Pointe Phase II 500 S Greentree Ln, Foley 36535 48 low-income homes · 2 bd: 48 · In service since 2006 · For older adults, people with disabilities
  • Brookwood Apts 400 Brookwood Cir, Foley 36535 38 low-income homes · 1 bd: 8 · 2 bd: 30 · In service since 1992 · For people with disabilities, families
  • Regency Pointe Phase I 500 S Greentree Ln, Foley 36535 34 low-income homes · 1 bd: 10 · 2 bd: 24 · In service since 1998 · For older adults, people with disabilities

See all 41 buildings in Baldwin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Foley

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.

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

HUD counseling is free or low-cost

Assistance programs in Foley

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

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

  • Center for Fair Housing

    602 Bel Air Blvd, Mobile · 33 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (251) 479-1532

  • CCCS of Mobile

    705 Oak Circle Dr E, Mobile · 34 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (251) 602-0011

  • Renaissance Community Loan Fund-Mobile County, AL

    584 Azalea Rd, Mobile · 34 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (228) 896-3386

All counseling agencies in Alabama

Help in Spanish near Foley

1 of the 3 agencies on this list says it serves 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 Foley

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

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

Cities

Other cities in Baldwin County

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

Everything about Baldwin County Housing in Alabama

Nearby cities

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

Neighboring counties

If Baldwin 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 Foley.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Foley

Short answers with the numbers for Foley 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 Foley?

The typical home value in Foley is $289,300, 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 Foley?

Typical rent in Foley is $1,242 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 Foley?

Foley 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 Foley?

The typical homeowner in Foley pays $794 a year, according to the U.S. Census Bureau. That is 0.27% of the home’s value; in Baldwin County, the rate is 0.3%.

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

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.

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).