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City · 13,464 residents · Jefferson County, Alabama

Irondale , Alabama

In Irondale, a typical home is worth $255,800 and typical rent is $1,320 a month. Compared with all of Jefferson County, typical rent is 11% higher and typical household income is 9% higher.

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  • Typical home value

    $255,800

    7% above the county

    22% above Alabama

    • Irondale
    • Jefferson
    • Alabama

  • Typical rent

    $1,320a month

    11% above the county

    31% above Alabama

    • Irondale
    • Jefferson
    • Alabama

  • Typical household income

    $72,343a year

    9% above the county

    13% above Alabama

    • Irondale
    • Jefferson
    • Alabama

  • Households that own their home

    60%

    4 points below the county

    10 points below Alabama

    • Irondale
    • Jefferson
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$285,934
2.6% more than 12 months ago
Typical rent
$2,122 a month
5.4% more than 12 months ago

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

Irondale is in Jefferson 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 Jefferson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Irondale apart

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

  1. Nearby, in Tarrant, the typical home value is $120,100: 53% less than in Irondale ($255,800).

  2. Nearby, in Tarrant, the typical rent is $985: 25% less than in Irondale ($1,320).

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

The homes here

Housing in Irondale

What homes there are in Irondale, 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 is still the most common home in Irondale, but it weighs less than in Jefferson County: 65% against 69%.

Year built

Here half of the homes date from 1979 or later; in Jefferson County, from 1975 or later.

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

The FHA limit for Jefferson County is high ($541,287): at least 96% of owner-occupied homes in Irondale are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,475 a month

Jefferson County: $1,619 a month

Without a mortgage

$479 a month

Jefferson County: $533 a month

Owners with a mortgage

66%

Jefferson County: 60%

In Irondale, 66% of owners have a mortgage, and their typical cost is $1,475 a month, against $1,619 in Jefferson County. Without one it drops to $479.

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

Since 2015–2019, homes in Irondale gained value faster than in Jefferson County: 80% against 51%.

Since 2015–2019, the typical rent in Irondale rose 27%, less than in Jefferson County (33%).

To compare: typical income in Irondale rose 28%; the home, +80%; the rent, +27%.

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

MeasureIrondaleJefferson CountyAlabamaUnited States
Rental vacancy Unreliable estimate7.0%7.2%5.5%
Homeowner vacancy Unreliable estimate1.2%1.1%0.9%
More than one person per room Unreliable estimate1.6%1.7%3.4%
People per household 2.182.402.482.53
Drive alone 81%77%81%69%
Carpool 7%8%8%9%
Public transit Unreliable estimate1%0%3%
Walk or bike Unreliable estimate2%1%3%
Work from home 11%11%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: 2.18 on average, against 2.40 in Jefferson County.

To get to work, 81% of workers in Irondale drive alone; in Jefferson County, 77%.

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 Irondale?

A typical home is tight for the typical income

We start with a typical home in Irondale, worth $255,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Irondale, which is $72,343 a year. For that payment to be 28% of income, a household would need to earn about $86,723 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Irondale. 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 $8,953 (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

$2,024

at 7.18% · 30 years

Loan amount
$251,167
Total interest
$361,370
Paid off in
November 2056

Includes $4,320 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,688 a month

  • Tight

    $1,688 to $2,170 a month

    Your payment · 34%

  • Hard

    more than $2,170 a month

Compared with the typical household income in Irondale ($72,343 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,024
Principal & interest$1,701
Property tax$102
Home insurance$107
FHA mortgage insurance (MIP)$113

You need at least $8,953 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

Irondale and Jefferson County

Irondale is in Jefferson 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).

Irondale's own numbers

Typical home value
$255,800
Typical monthly rent
$1,320
Typical yearly household income
$72,343
Households that own their home
60%
Effective property tax rate
0.48%

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

Numbers for all of Jefferson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,375
Price change over 5 years (FHFA)
+38%
Homes in a high flood-risk zone
2.3%

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 Jefferson County.

Everything about Jefferson County

Buying

Buying a home in Irondale

A typical home in Irondale is worth $255,800: 7% above the county and 22% above Alabama. With the typical household income in Irondale ($72,343 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.

  • Irondale 3.5 years
  • Jefferson 3.6 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jefferson County

According to FHFA’s house price index, home prices in Jefferson County rose 73% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) +2.2% +2.5% +2.9%
5 years (2020–2025) +38% +47% +47%
10 years (2015–2025) +73% +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

Irondale next to Jefferson 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
  • Irondale $255,800
  • Jefferson $240,000
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Irondale $1,320
  • Jefferson $1,193
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Irondale $72,343
  • Jefferson $66,388
  • Alabama $63,999
  • United States $80,734
See the full table
Irondale next to Jefferson County and Alabama
Measure Irondale Jefferson County Alabama U.S.
Typical home value $255,800 $240,000 $209,900 $332,700
Typical monthly rent $1,320 $1,193 $1,007 $1,413
Typical yearly household income $72,343 $66,388 $63,999 $80,734
Households that own their home 60% 64% 70% 65%
Typical yearly property tax $1,223 $1,409 $788 $3,119
Effective property tax rate 0.48% 0.59% 0.38% 0.94%
Renters with high rent for their income 46% 54% 49% 51%

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

For a typical $255,800 home in Irondale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Irondale's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,024a month

    Least cash to close
    Down payment
    $8,953
    Cash to close
    $16,627
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $113

  • Conventional, 5% down $1,977a month

    Down payment
    $12,790
    Cash to close
    $20,464
    Rate
    7.18%
    Mortgage insurance
    PMI · $122

  • Conventional, 20% down, no PMI $1,595a month

    Down payment
    $51,160
    Cash to close
    $58,834
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,832a month

    Down payment
    $38,370
    Cash to close
    $46,044
    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 Irondale and for Jefferson County.

Property tax

Effective rate in Irondale

0.48%of the home’s value each year

$1,223 a year for the typical owner in Irondale.

  • Irondale 0.48%
  • Jefferson 0.59%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Jefferson County

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

Homes in the high-risk zone
2.3%
5,592
Of those, with NFIP insurance
13%
County Alabama U.S.
Homes in the high-risk zone 2.3% 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 Irondale

Typical rent in Irondale is $1,320 a month: 11% above the county. In Irondale, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($1,375 a month) without spending more than 30% of your income, you would need to earn $26.44 an hour working full time.

HUD fair market rent for all of Jefferson 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 $1,177 $22.63 $47,080
1 bedroom $1,263 $24.29 $50,520
2 bedrooms $1,375 $26.44 $55,000
3 bedrooms $1,727 $33.21 $69,080
4 bedrooms $1,941 $37.33 $77,640

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 Irondale

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Irondale is in ZIP code 35210.

For 2 bedrooms it is $1,340: $35 less than the fair market rent for Jefferson County ($1,375).

  • 35210 $1,340$1,680

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

Free help

Help to buy or rent in Irondale

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 are 6 HUD-approved agencies with an office in Jefferson County; 2 say they serve in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Irondale

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

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

  • United Way of Central Alabama, Inc.

    3600 8th Ave S, Birmingham · 7 miles away

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

  • Operation Hope- Birmingham Al

    2100 Park Pl, Birmingham · 9 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 3 more
    (205) 478-0557

  • Neighborhood Housing Services of Birmingham, Inc.

    601 19th St N, Birmingham · 9 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (205) 328-4292

Every agency in Jefferson County All counseling agencies in Alabama

Help in Spanish near Irondale

None 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 Irondale

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

  • Jefferson County Housing Authority Public housing and Section 8 vouchers (205) 849-0123

5 other authorities have an office in Jefferson County: see the list Source: HUD

Cities

Other cities in Jefferson County

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

Everything about Jefferson County Housing in Alabama
See 9 more cities in Jefferson County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Jefferson 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 Irondale.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Irondale

Short answers with the numbers for Irondale and all of Jefferson 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 Irondale?

The typical home value in Irondale is $255,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $240,000.

How much does it cost to rent in Irondale?

Typical rent in Irondale is $1,320 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $1,375.

What is the FHA loan limit in Irondale?

Irondale uses the FHA limit for all of Jefferson 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 Irondale?

The typical homeowner in Irondale pays $1,223 a year, according to the U.S. Census Bureau. That is 0.48% of the home’s value; in Jefferson County, the rate is 0.59%.

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

There are 6 HUD-approved counseling agencies with an office in Jefferson County. 2 say they serve in Spanish. 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).