In Hartselle, a typical home is worth $203,800 and typical rent is $804 a month. Compared with all of Morgan County, typical household income is 11% higher, typical rent is 7% lower, and the share of households that own their home is 5 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $202,305 to $242,509.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hartselle is in Morgan 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 Morgan County. See the county
What this place has that others do not, from public data, most unusual first.
1
78% of households in Hartselle own their home, against 73% in Morgan County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hartselle
What homes there are in Hartselle, 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
Hartselle
Morgan County
Alabama
United States
Kind of home: Hartselle and its comparisons
Measure
Hartselle
Morgan County
Alabama
United States
Detached house
80%
72%
69%
61%
Attached house
3%
4%
2%
6%
Building of 2 to 4
9%
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
9%
12%
19%
Mobile home
Unreliable estimate
11%
12%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 80% of homes here, against 72% in Morgan County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Hartselle
Morgan County
Alabama
United States
Year built: Hartselle and its comparisons
Measure
Hartselle
Morgan County
Alabama
United States
Before 1960
10%
14%
16%
26%
1960–1979
37%
32%
26%
24%
1980–1999
30%
31%
29%
25%
2000–2009
16%
14%
15%
14%
2010 or later
6%
10%
13%
11%
The typical year built in Hartselle is 1981, about the same as in Morgan County (1983).
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 $100K12%
$100K–$200K37%
$200K–$300K25%
$300K–$500K22%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hartselle and its comparisons
Measure
Hartselle
Under $100K
12%
$100K–$200K
37%
$200K–$300K
25%
$300K–$500K
22%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 97% of owner-occupied homes in Hartselle are worth less than $500,000, below the FHA loan limit for Morgan County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99961%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hartselle and its comparisons
Measure
Hartselle
Under $500
Unreliable estimate
$500–$999
61%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,257 a month
Morgan County: $1,349 a month
Without a mortgage
$493 a month
Morgan County: $440 a month
Owners with a mortgage
66%
Morgan County: 53%
In Hartselle, 66% of owners have a mortgage, and their typical cost is $1,257 a month, against $1,349 in Morgan County. Without one it drops to $493.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hartselle+37%
Morgan County+55%
Alabama+47%
United States+53%
Typical rent
Hartselle+18%
Morgan County+31%
Alabama+27%
United States+33%
Typical household income
Hartselle+28%
Morgan County+32%
Alabama+27%
United States+29%
Change since 2015–2019: Hartselle and its comparisons
Measure
Hartselle
Morgan County
Alabama
United States
Typical home value
+37%
+55%
+47%
+53%
Typical rent
+18%
+31%
+27%
+33%
Typical household income
+28%
+32%
+27%
+29%
Homes in Hartselle gained value more slowly than in Morgan County: 37% since 2015–2019, against 55%.
Rents in Hartselle rose more slowly than in Morgan County: 18% since 2015–2019, against 31%.
The typical household income in Hartselle rose 28% over that time; home values changed +37% and rent +18%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hartselle and its comparisons
Measure
Hartselle
Morgan County
Alabama
United States
Rental vacancy
Unreliable estimate
4.0%
7.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
1.9%
1.7%
3.4%
People per household
2.68
2.50
2.48
2.53
Drive alone
86%
82%
81%
69%
Carpool
7%
9%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
1%
3%
Work from home
7%
7%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.68 on average, against 2.50 in Morgan County.
In Hartselle, 86% of workers drive alone to work; in Morgan County, 82%.
Do the math
What would you pay each month for a home in Hartselle?
A typical home is within reach of the typical income
We start with a typical home in Hartselle, worth $203,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Hartselle, which is $76,290 a year.
The calculator's FHA and conventional loan limits are those of all of Morgan 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 Hartselle. 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 $7,133 (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
$1,583
at 7.18% · 30 years
Loan amount
$200,109
Total interest
$287,909
Paid off in
November 2056
Includes $3,442 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,780 a month
Your payment · 25%
Tight
$1,780 to $2,289 a month
Hard
more than $2,289 a month
Compared with the typical household income in Hartselle ($76,290 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,356
Property tax
$53
Home insurance
$85
FHA mortgage insurance (MIP)
$90
You need at least $7,133 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 $1,583; principal and interest $1,356.
The city and its county
Hartselle and Morgan County
Hartselle is in Morgan 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).
Hartselle
Map of Morgan County, Alabama, with Hartselle marked. Around it, the neighboring counties.
Hartselle
Morgan County
Other cities with a page
Hartselle's own numbers
Typical home value
$203,800
Typical monthly rent
$804
Typical yearly household income
$76,290
Households that own their home
78%
Effective property tax rate
0.31%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Morgan County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,023
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
2.1%
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 Morgan County.
A typical home in Hartselle is worth $203,800: 4% below the county and 3% below Alabama. With the typical household income in Hartselle ($76,290 a year), a typical home costs 2.7 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.
Hartselle2.7 years
Morgan3.1 years
Alabama3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Morgan County
According to FHFA’s house price index, home prices in Morgan County rose 84% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Morgan County.
Yearly change in FHFA’s price index in Morgan County, 2016 to 2025
2016: −0.5% −0.5% 2016
2017: +5.8% +5.8% 2017
2018: +2.7% +2.7% 2018
2019: +5.2% +5.2% 2019
2020: +5.8% +5.8% 2020
2021: +14.8% +14.8% 2021
2022: +19.6% +19.6% 2022
2023: +6.7% +6.7% 2023
2024: +4.9% +4.9% 2024
2025: −0.4% −0.4% 2025
Change in FHFA’s price index in Morgan County, Alabama and the United States
Period
County
Alabama
U.S.
Last year (2025)
−0.4%
+2.5%
+2.9%
5 years (2020–2025)
+53%
+47%
+47%
10 years (2015–2025)
+84%
+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
Hartselle next to Morgan 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
Hartselle$203,800
Morgan$212,000
Alabama$209,900
United States$332,700
Typical monthly rent
Hartselle$804
Morgan$864
Alabama$1,007
United States$1,413
Typical yearly household income
Hartselle$76,290
Morgan$68,845
Alabama$63,999
United States$80,734
See the full table
Hartselle next to Morgan County and Alabama
Measure
Hartselle
Morgan County
Alabama
U.S.
Typical home value
$203,800 ▼4% below the county
$212,000
$209,900
$332,700
Typical monthly rent
$804 ▼7% below the county
$864
$1,007
$1,413
Typical yearly household income
$76,290 ▲11% above the county
$68,845
$63,999
$80,734
Households that own their home
78% ▲5 points above the county
73%
70%
65%
Typical yearly property tax
$623 ▼13% below the county
$718
$788
$3,119
Effective property tax rate
0.31% ▼0.03 points below the county
0.34%
0.38%
0.94%
Renters with high rent for their income
53% ▲8 points above the county
45%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Morgan 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 Hartselle
For a typical $203,800 home in Hartselle, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hartselle's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,583a month
Least cash to close
Down payment
$7,133
Cash to close
$13,247
Rate
7.18%
Mortgage insurance
FHA MIP · $90
Conventional, 5% down$1,546a month
Down payment
$10,190
Cash to close
$16,304
Rate
7.18%
Mortgage insurance
PMI · $97
Conventional, 20% down, no PMI$1,242a month
Down payment
$40,760
Cash to close
$46,874
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,430a month
Down payment
$30,570
Cash to close
$36,684
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hartselle
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,583
$7,133
$200,109
7.18%
FHA MIP · $90
$13,247
580
Conventional, 5% down
$1,546
$10,190
$193,610
7.18%
PMI · $97
$16,304
620*
Conventional, 20% down, no PMI
$1,242
$40,760
$163,040
7.18%
None
$46,874
620*
ITIN, 15% down (example)
$1,430
$30,570
$173,230
8.18%
None
$36,684
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 Hartselle is $804 a month: 7% below the county. In Hartselle, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Morgan County, by unit size. To pay the 2-bedroom one ($1,023 a month) without spending more than 30% of your income, you would need to earn $19.67 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 Morgan County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$830
$15.96
$33,200
1 bedroom
$835
$16.06
$33,400
2 bedrooms
$1,023
$19.67
$40,920
3 bedrooms
$1,315
$25.29
$52,600
4 bedrooms
$1,686
$32.42
$67,440
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 Hartselle
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hartselle is in ZIP code 35640.
For 2 bedrooms it is $990: $33 less than the fair market rent for Morgan County ($1,023).
Fair market rent by ZIP code and size in Hartselle, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
35640
$800
$810
$990
$1,270
$1,630
ZIP code2 bd3 bd
35640 $990$1,270
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hartselle 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 8 buildings with rents for lower incomes in Hartselle. These are the largest.
Puckett Homes, Pattillo Cir.,roberts CT.609 Corsbie St SW, Hartselle 35640186 low-income homes · Run by Housing Authority of the City of Hartselle · Average payment: $407 a month · Average wait: 4 months · Homes at several sites(256) 773-5481
Rivers Edge Apartments1416 Main St E, Hartselle 3564048 low-income homes · In service since 2018 · For families
Woodbridge Apts1040 Mountainview Rd NE, Hartselle 3564048 low-income homes · 1 bd: 8 · 2 bd: 28 · 3 bd: 12 · In service since 2000 · For families
Hallmark Crestmoor1060 Mountainview Rd NE, Hartselle 3564040 low-income homes · 1 bd: 4 · 2 bd: 20 · 3 bd: 16 · In service since 2007 · For people with disabilities, families
Collier Cove546 Craft Ln NE, Hartselle 3564040 homes, 34 low-income · 2 bd: 30 · 3 bd: 10 · In service since 2002 · For people with disabilities, families
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.
There is 1 HUD-approved agency with an office in Morgan County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Hartselle or Morgan County. The ones below are statewide in Alabama: they work in Hartselle 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 Hartselle or Morgan 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 Hartselle and all of Morgan 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 Hartselle?
The typical home value in Hartselle is $203,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Morgan County it is $212,000.
How much does it cost to rent in Hartselle?
Typical rent in Hartselle is $804 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Morgan County is $1,023.
What is the FHA loan limit in Hartselle?
Hartselle uses the FHA limit for all of Morgan 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 Hartselle?
The typical homeowner in Hartselle pays $623 a year, according to the U.S. Census Bureau. That is 0.31% of the home’s value; in Morgan County, the rate is 0.34%.
Where can I find free help to buy or rent in Hartselle?
There is 1 HUD-approved counseling agency with an office in Morgan County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
