In Holtville, a typical home is worth $267,100 and typical rent is $954 a month. Compared with all of Elmore County, the typical home value is 19% higher and typical rent is 11% lower.
Holtville is in Elmore 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 Elmore County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Montgomery, the typical home value is $161,900: 39% less than in Holtville ($267,100).
2
The typical home in Holtville is worth $267,100,19% more than in Elmore County as a whole ($223,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Holtville
What homes there are in Holtville, 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
Holtville
Elmore County
Alabama
United States
Kind of home: Holtville and its comparisons
Measure
Holtville
Elmore County
Alabama
United States
Detached house
76%
76%
69%
61%
Attached house
Unreliable estimate
1%
2%
6%
Building of 2 to 4
Unreliable estimate
2%
5%
8%
Apartments (5 or more)
Unreliable estimate
5%
12%
19%
Mobile home
23%
15%
12%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Elmore County, most homes in Holtville are detached houses (76%).
There are more mobile homes here than in Elmore County: 23% of homes, against 15%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Holtville
Elmore County
Alabama
United States
Year built: Holtville and its comparisons
Measure
Holtville
Elmore County
Alabama
United States
Before 1960
Unreliable estimate
8%
16%
26%
1960–1979
23%
21%
26%
24%
1980–1999
24%
29%
29%
25%
2000–2009
15%
21%
15%
14%
2010 or later
30%
20%
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–$200K22%
$200K–$300K25%
$300K–$500K33%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Holtville and its comparisons
Measure
Holtville
Under $100K
Unreliable estimate
$100K–$200K
22%
$200K–$300K
25%
$300K–$500K
33%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Holtville and its comparisons
Measure
Holtville
Under $500
Unreliable
$500–$999
Unreliable estimate
$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
$1,505 a month
Elmore County: $1,432 a month
Without a mortgage
$396 a month
Elmore County: $416 a month
Owners with a mortgage
58%
Elmore County: 61%
The typical cost for an owner with a mortgage in Holtville is $1,505 a month, more than in Elmore County ($1,432); without one, $396.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
HoltvilleNo clear change
Elmore County+34%
Alabama+47%
United States+53%
Typical rent
HoltvilleNo clear change
Elmore County+20%
Alabama+27%
United States+33%
Typical household income
HoltvilleNo clear change
Elmore County+29%
Alabama+27%
United States+29%
Change since 2015–2019: Holtville and its comparisons
Measure
Holtville
Elmore County
Alabama
United States
Typical home value
No clear change
+34%
+47%
+53%
Typical rent
No clear change
+20%
+27%
+33%
Typical household income
No clear change
+29%
+27%
+29%
Since 2015–2019, home values in Holtville moved so little that the Census cannot say whether they rose or fell.
The typical rent in Holtville stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Holtville and its comparisons
Measure
Holtville
Elmore County
Alabama
United States
Rental vacancy
Unreliable estimate
7.0%
7.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
1.6%
1.7%
3.4%
People per household
2.70
2.60
2.48
2.53
Drive alone
92%
84%
81%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
Unreliable estimate
7%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
A household in Holtville has 2.70 people on average, about the same as in Elmore County (2.60).
To get to work, 92% of workers in Holtville drive alone; in Elmore County, 84%.
Do the math
What would you pay each month for a home in Holtville?
A typical home is tight for the typical income
We start with a typical home in Holtville, worth $267,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Holtville, which is $76,652 a year. For that payment to be 28% of income, a household would need to earn about $88,455 a year.
The calculator's FHA and conventional loan limits are those of all of Elmore 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 Holtville. 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 $9,349 (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
$2,064
at 7.18% · 30 years
Loan amount
$262,262
Total interest
$377,333
Paid off in
November 2056
Includes $4,511 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,789 a month
Tight
$1,789 to $2,300 a month
Your payment · 32%
Hard
more than $2,300 a month
Compared with the typical household income in Holtville ($76,652 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,777
Property tax
$58
Home insurance
$111
FHA mortgage insurance (MIP)
$118
You need at least $9,349 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 $2,064; principal and interest $1,777.
The city and its county
Holtville and Elmore County
Holtville is in Elmore 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).
Holtville
Map of Elmore County, Alabama, with Holtville marked. Around it, the neighboring counties.
Holtville
Elmore County
Other cities with a page
Holtville's own numbers
Typical home value
$267,100
Typical monthly rent
$954
Typical yearly household income
$76,652
Households that own their home
77%
Effective property tax rate
0.26%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Elmore County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,150
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
2.5%
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 Elmore County.
A typical home in Holtville is worth $267,100: 19% above the county and 27% above Alabama. With the typical household income in Holtville ($76,652 a year), a typical home costs 3.5 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.
Holtville3.5 years
Elmore2.9 years
Alabama3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Elmore County
According to FHFA’s house price index, home prices in Elmore County rose 66% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Elmore County.
Yearly change in FHFA’s price index in Elmore County, 2016 to 2025
2016: +1.8% +1.8% 2016
2017: +2.1% +2.1% 2017
2018: +1.8% +1.8% 2018
2019: +3.2% +3.2% 2019
2020: +3.2% +3.2% 2020
2021: +7.9% +7.9% 2021
2022: +17.6% +17.6% 2022
2023: +6.1% +6.1% 2023
2024: +2.0% +2.0% 2024
2025: +7.3% +7.3% 2025
Change in FHFA’s price index in Elmore County, Alabama and the United States
Period
County
Alabama
U.S.
Last year (2025)
+7.3%
+2.5%
+2.9%
5 years (2020–2025)
+47%
+47%
+47%
10 years (2015–2025)
+66%
+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
Holtville next to Elmore 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
Holtville$267,100
Elmore$223,900
Alabama$209,900
United States$332,700
Typical monthly rent
Holtville$954
Elmore$1,071
Alabama$1,007
United States$1,413
Typical yearly household income
Holtville$76,652
Elmore$78,243
Alabama$63,999
United States$80,734
See the full table
Holtville next to Elmore County and Alabama
Measure
Holtville
Elmore County
Alabama
U.S.
Typical home value
$267,100 ▲19% above the county
$223,900
$209,900
$332,700
Typical monthly rent
$954 ▼11% below the county
$1,071
$1,007
$1,413
Typical yearly household income
$76,652 ▼2% below the county
$78,243
$63,999
$80,734
Households that own their home
77%
77%
70%
65%
Typical yearly property tax
$698 ▲14% above the county
$610
$788
$3,119
Effective property tax rate
0.26% ▼0.01 points below the county
0.27%
0.38%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Elmore 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 Holtville
For a typical $267,100 home in Holtville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Holtville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,064a month
Least cash to close
Down payment
$9,349
Cash to close
$17,362
Rate
7.18%
Mortgage insurance
FHA MIP · $118
Conventional, 5% down$2,015a month
Down payment
$13,355
Cash to close
$21,368
Rate
7.18%
Mortgage insurance
PMI · $127
Conventional, 20% down, no PMI$1,617a month
Down payment
$53,420
Cash to close
$61,433
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,864a month
Down payment
$40,065
Cash to close
$48,078
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Holtville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,064
$9,349
$262,262
7.18%
FHA MIP · $118
$17,362
580
Conventional, 5% down
$2,015
$13,355
$253,745
7.18%
PMI · $127
$21,368
620*
Conventional, 20% down, no PMI
$1,617
$53,420
$213,680
7.18%
None
$61,433
620*
ITIN, 15% down (example)
$1,864
$40,065
$227,035
8.18%
None
$48,078
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 Holtville is $954 a month: 11% below the county.
HUD publishes a fair market rent for all of Elmore County, by unit size. To pay the 2-bedroom one ($1,150 a month) without spending more than 30% of your income, you would need to earn $22.12 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 Elmore County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$986
$18.96
$39,440
1 bedroom
$1,003
$19.29
$40,120
2 bedrooms
$1,150
$22.12
$46,000
3 bedrooms
$1,476
$28.38
$59,040
4 bedrooms
$1,708
$32.85
$68,320
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 Holtville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Holtville has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,070 in 36022 to $1,090 in 36092.
None is above the fair market rent for Elmore County ($1,150).
Fair market rent by ZIP code and size in Holtville, fiscal year 2027.
36022
$920
$930
$1,070
$1,370
$1,590
36092
$930
$950
$1,090
$1,400
$1,620
ZIP code2 bd3 bd
36022 $1,070$1,370
36092 $1,090$1,400
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Holtville 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)
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 Elmore 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 Holtville or Elmore County. The ones below are statewide in Alabama: they work in Holtville 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 Holtville or Elmore 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 Holtville and all of Elmore 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 Holtville?
The typical home value in Holtville is $267,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Elmore County it is $223,900.
How much does it cost to rent in Holtville?
Typical rent in Holtville is $954 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Elmore County is $1,150.
What is the FHA loan limit in Holtville?
Holtville uses the FHA limit for all of Elmore 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 Holtville?
The typical homeowner in Holtville pays $698 a year, according to the U.S. Census Bureau. That is 0.26% of the home’s value; in Elmore County, the rate is 0.27%.
Where can I find free help to buy or rent in Holtville?
We found no HUD-approved counseling agencies with an office in Elmore County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
