In Headland, a typical home is worth $219,600 and typical rent is $822 a month. Compared with all of Henry County, the typical home value is 36% higher and typical household income is 32% higher.
Typical home value from Zillow, September 2021 to September 2026: from $193,976 to $229,420.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Headland is in Henry 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 Henry County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Eufaula, the typical home value is $139,900: 36% less than in Headland ($219,600).
2
The typical home in Headland is worth $219,600,36% more than in Henry County as a whole ($161,000).
3
The typical household income in Headland is $79,063,32% more than in Henry County as a whole ($59,931).
4
Nearby, in Ozark, the typical rent is $694: 16% less than in Headland ($822).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Headland
What homes there are in Headland, 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
Headland
Henry County
Alabama
United States
Kind of home: Headland and its comparisons
Measure
Headland
Henry County
Alabama
United States
Detached house
92%
73%
69%
61%
Attached house
Unreliable estimate
Unreliable estimate
2%
6%
Building of 2 to 4
Unreliable estimate
Unreliable estimate
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
12%
19%
Mobile home
Unreliable estimate
22%
12%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 92% of homes here, against 73% in Henry County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Headland
Henry County
Alabama
United States
Year built: Headland and its comparisons
Measure
Headland
Henry County
Alabama
United States
Before 1960
20%
17%
16%
26%
1960–1979
21%
30%
26%
24%
1980–1999
28%
28%
29%
25%
2000–2009
18%
15%
15%
14%
2010 or later
13%
10%
13%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K29%
$200K–$300K21%
$300K–$500K30%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Headland and its comparisons
Measure
Headland
Under $100K
Unreliable estimate
$100K–$200K
29%
$200K–$300K
21%
$300K–$500K
30%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99955%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Headland and its comparisons
Measure
Headland
Under $500
Unreliable estimate
$500–$999
55%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,374 a month
Henry County: $1,230 a month
Without a mortgage
$483 a month
Henry County: $414 a month
Owners with a mortgage
74%
Henry County: 47%
In Headland, 74% of owners have a mortgage, and their typical cost is $1,374 a month, against $1,230 in Henry County. Without one it drops to $483.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Headland+51%
Henry County+36%
Alabama+47%
United States+53%
Typical rent
HeadlandNo clear change
Henry County+23%
Alabama+27%
United States+33%
Typical household income
HeadlandNo clear change
Henry County+20%
Alabama+27%
United States+29%
Change since 2015–2019: Headland and its comparisons
Measure
Headland
Henry County
Alabama
United States
Typical home value
+51%
+36%
+47%
+53%
Typical rent
No clear change
+23%
+27%
+33%
Typical household income
No clear change
+20%
+27%
+29%
The typical home value in Headland rose 51% since 2015–2019, more than in Henry County (36%).
Since 2015–2019, the typical rent in Headland did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Headland and its comparisons
Measure
Headland
Henry County
Alabama
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.7%
3.4%
People per household
2.70
2.47
2.48
2.53
Drive alone
90%
87%
81%
69%
Carpool
Unreliable estimate
8%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
Unreliable estimate
4%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Headland has 2.70 people, more than in Henry County (2.47).
The car rules in Headland: 90% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Headland?
A typical home is within reach of the typical income
We start with a typical home in Headland, worth $219,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Headland, which is $79,063 a year.
The calculator's FHA and conventional loan limits are those of all of Henry 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 Headland. 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 $7,686 (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
$1,722
at 7.18% · 30 years
Loan amount
$215,622
Total interest
$310,230
Paid off in
November 2056
Includes $3,708 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,845 a month
Your payment · 26%
Tight
$1,845 to $2,372 a month
Hard
more than $2,372 a month
Compared with the typical household income in Headland ($79,063 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,461
Property tax
$73
Home insurance
$92
FHA mortgage insurance (MIP)
$97
You need at least $7,686 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 $1,722; principal and interest $1,461.
The city and its county
Headland and Henry County
Headland is in Henry 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).
Headland
Map of Henry County, Alabama, with Headland marked. Around it, the neighboring counties.
Headland
Henry County
Other cities with a page
Headland's own numbers
Typical home value
$219,600
Typical monthly rent
$822
Typical yearly household income
$79,063
Households that own their home
79%
Effective property tax rate
0.4%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Henry 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)
+57%
Homes in a high flood-risk zone
2%
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 Henry County.
A typical home in Headland is worth $219,600: 36% above the county and 5% above Alabama. With the typical household income in Headland ($79,063 a year), a typical home costs 2.8 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.
Headland2.8 years
Henry2.7 years
Alabama3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Henry County
According to FHFA’s house price index, home prices in Henry County rose 76% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Henry County.
Yearly change in FHFA’s price index in Henry County, 2016 to 2025
2016: +5.7% +5.7% 2016
2017: −2.9% −2.9% 2017
2018: +6.4% +6.4% 2018
2019: +7.1% +7.1% 2019
2020: −4.1% −4.1% 2020
2021: +8.1% +8.1% 2021
2022: +16.3% +16.3% 2022
2023: +14.5% +14.5% 2023
2024: +6.5% +6.5% 2024
2025: +2.3% +2.3% 2025
Change in FHFA’s price index in Henry County, Alabama and the United States
Period
County
Alabama
U.S.
Last year (2025)
+2.3%
+2.5%
+2.9%
5 years (2020–2025)
+57%
+47%
+47%
10 years (2015–2025)
+76%
+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
Headland next to Henry 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
Headland$219,600
Henry$161,000
Alabama$209,900
United States$332,700
Typical monthly rent
Headland$822
Henry$769
Alabama$1,007
United States$1,413
Typical yearly household income
Headland$79,063
Henry$59,931
Alabama$63,999
United States$80,734
See the full table
Headland next to Henry County and Alabama
Measure
Headland
Henry County
Alabama
U.S.
Typical home value
$219,600 ▲36% above the county
$161,000
$209,900
$332,700
Typical monthly rent
$822 ▲7% above the county
$769
$1,007
$1,413
Typical yearly household income
$79,063 ▲32% above the county
$59,931
$63,999
$80,734
Households that own their home
79%
80%
70%
65%
Typical yearly property tax
$873 ▲58% above the county
$553
$788
$3,119
Effective property tax rate
0.4% ▲0.06 points above the county
0.34%
0.38%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Henry 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 Headland
For a typical $219,600 home in Headland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Headland's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,723a month
Least cash to close
Down payment
$7,686
Cash to close
$14,274
Rate
7.18%
Mortgage insurance
FHA MIP · $97
Conventional, 5% down$1,682a month
Down payment
$10,980
Cash to close
$17,568
Rate
7.18%
Mortgage insurance
PMI · $104
Conventional, 20% down, no PMI$1,355a month
Down payment
$43,920
Cash to close
$50,508
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,558a month
Down payment
$32,940
Cash to close
$39,528
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Headland
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,723
$7,686
$215,622
7.18%
FHA MIP · $97
$14,274
580
Conventional, 5% down
$1,682
$10,980
$208,620
7.18%
PMI · $104
$17,568
620*
Conventional, 20% down, no PMI
$1,355
$43,920
$175,680
7.18%
None
$50,508
620*
ITIN, 15% down (example)
$1,558
$32,940
$186,660
8.18%
None
$39,528
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 Headland is $822 a month: 7% above the county.
HUD publishes a fair market rent for all of Henry 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Henry County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$699
$13.44
$27,960
1 bedroom
$704
$13.54
$28,160
2 bedrooms
$921
$17.71
$36,840
3 bedrooms
$1,105
$21.25
$44,200
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 Headland
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Headland is in ZIP code 36345.
For 2 bedrooms it is $920: $1 less than the fair market rent for Henry County ($921).
Fair market rent by ZIP code and size in Headland, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
36345
$700
$720
$920
$1,160
$1,310
ZIP code2 bd3 bd
36345 $920$1,160
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Headland 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 4 buildings with rents for lower incomes in Headland. These are the largest.
Vann-Bridges Apts514 E Church St, Headland 3634550 low-income homes · Run by Housing Authority of the City of Headland, AL · Average payment: $454 a month · Average wait: 8 months · Homes at several sites(334) 693-2525
Headland Apartments100 E Main St, Headland 3634525 low-income homes · For older adults(334) 983-3571
Countryside Villas101 Knowles St, Headland 3634524 low-income homes · 2 bd: 18 · 3 bd: 6 · In service since 1998 · For families
Headland Retirement Center112 W Church St, Headland 3634520 low-income homes · For older adults(334) 983-3571
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 Henry 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 Headland or Henry County. The ones below are statewide in Alabama: they work in Headland 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 Headland or Henry 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 Headland and all of Henry 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 Headland?
The typical home value in Headland is $219,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Henry County it is $161,000.
How much does it cost to rent in Headland?
Typical rent in Headland is $822 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Henry County is $921.
What is the FHA loan limit in Headland?
Headland uses the FHA limit for all of Henry 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 Headland?
The typical homeowner in Headland pays $873 a year, according to the U.S. Census Bureau. That is 0.4% of the home’s value; in Henry County, the rate is 0.34%.
Where can I find free help to buy or rent in Headland?
We found no HUD-approved counseling agencies with an office in Henry County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
