Español

Este sitio también está en español. Leer en español

City · 14,437 residents · Calhoun County, Alabama

Jacksonville , Alabama

In Jacksonville, a typical home is worth $185,500 and typical rent is $820 a month. Compared with all of Calhoun County, the typical home value is 18% higher, typical household income is 6% lower, and the share of households that own their home is 20 points lower.

WhatsApp

  • Typical home value

    $185,500

    18% above the county

    12% below Alabama

    • Jacksonville
    • Calhoun
    • Alabama

  • Typical rent

    $820a month

    About the same as the county

    19% below Alabama

    • Jacksonville
    • Calhoun
    • Alabama

  • Typical household income

    $51,814a year

    6% below the county

    19% below Alabama

    • Jacksonville
    • Calhoun
    • Alabama

  • Households that own their home

    50%

    20 points below the county

    20 points below Alabama

    • Jacksonville
    • Calhoun
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$216,041
5.1% more than 12 months ago
Typical rent
$894 a month
3% more than 12 months ago

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

Jacksonville is in Calhoun 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 Calhoun County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Jacksonville apart

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

  1. 50% of households in Jacksonville own their home, against 70% in Calhoun County.

  2. Nearby, in Saks, the typical home value is $116,400: 37% less than in Jacksonville ($185,500).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Jacksonville rose 5.1%; in Alabama, it rose 1.9%.

  4. The typical home in Jacksonville is worth $185,500, 18% more than in Calhoun County as a whole ($156,600).

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

The homes here

Housing in Jacksonville

What homes there are in Jacksonville, 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

In Jacksonville, 6 in 10 homes are single-family detached houses; in Calhoun County, 7.

Year built

Homes in Jacksonville are newer: the typical year built is 1989; in Calhoun County, 1979.

Homes in Jacksonville are smaller: 58% have 3 bedrooms or more; in Calhoun County, 65%.

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

At least 99% of owner-occupied homes in Jacksonville are worth less than $500,000, below the FHA loan limit for Calhoun County ($541,287).

Monthly rent with utilities

With a mortgage

$1,207 a month

Calhoun County: $1,210 a month

Without a mortgage

$429 a month

Calhoun County: $407 a month

Owners with a mortgage

59%

Calhoun County: 49%

Owning costs about the same in Jacksonville as in Calhoun County: with a mortgage, $1,207 a month; without one, $429.

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

The typical home value in Jacksonville rose 25% since 2015–2019, less than in Calhoun County (33%).

The typical rent in Jacksonville rose 27% over the same time; in Calhoun County, it rose 15%.

The typical household income in Jacksonville rose 26% over that time; home values changed +25% and 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

MeasureJacksonvilleCalhoun CountyAlabamaUnited States
Rental vacancy Unreliable estimate5.3%7.2%5.5%
Homeowner vacancy Unreliable estimate1.3%1.1%0.9%
More than one person per room Unreliable estimate1.5%1.7%3.4%
People per household 2.362.482.482.53
Drive alone 83%85%81%69%
Carpool 6%7%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 9%6%9%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Calhoun County, a household in Jacksonville has 2.36 people on average.

To get to work, 83% of workers in Jacksonville drive alone; in Calhoun County, 85%.

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 Jacksonville?

A typical home is tight for the typical income

We start with a typical home in Jacksonville, worth $185,500, 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 Jacksonville, which is $51,814 a year. For that payment to be 28% of income, a household would need to earn about $62,492 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Jacksonville. 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 $6,493 (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

$1,458

at 7.18% · 30 years

Loan amount
$182,140
Total interest
$262,056
Paid off in
November 2056

Includes $3,133 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,209 a month

  • Tight

    $1,209 to $1,554 a month

    Your payment · 34%

  • Hard

    more than $1,554 a month

Compared with the typical household income in Jacksonville ($51,814 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,458
Principal & interest$1,234
Property tax$65
Home insurance$77
FHA mortgage insurance (MIP)$82

You need at least $6,493 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

Jacksonville and Calhoun County

Jacksonville is in Calhoun 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).

Jacksonville's own numbers

Typical home value
$185,500
Typical monthly rent
$820
Typical yearly household income
$51,814
Households that own their home
50%
Effective property tax rate
0.42%

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

Numbers for all of Calhoun County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,010
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
3.4%

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 Calhoun County.

Everything about Calhoun County

Buying

Buying a home in Jacksonville

A typical home in Jacksonville is worth $185,500: 18% above the county and 12% below Alabama. With the typical household income in Jacksonville ($51,814 a year), a typical home costs 3.6 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.

  • Jacksonville 3.6 years
  • Calhoun 2.8 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Calhoun County

According to FHFA’s house price index, home prices in Calhoun County rose 77% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) +4.4% +2.5% +2.9%
5 years (2020–2025) +50% +47% +47%
10 years (2015–2025) +77% +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

Jacksonville next to Calhoun 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
  • Jacksonville $185,500
  • Calhoun $156,600
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Jacksonville $820
  • Calhoun $826
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Jacksonville $51,814
  • Calhoun $55,029
  • Alabama $63,999
  • United States $80,734
See the full table
Jacksonville next to Calhoun County and Alabama
Measure Jacksonville Calhoun County Alabama U.S.
Typical home value $185,500 $156,600 $209,900 $332,700
Typical monthly rent $820 $826 $1,007 $1,413
Typical yearly household income $51,814 $55,029 $63,999 $80,734
Households that own their home 50% 70% 70% 65%
Typical yearly property tax $783 $653 $788 $3,119
Effective property tax rate 0.42% 0.42% 0.38% 0.94%
Renters with high rent for their income 44% 45% 49% 51%

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

For a typical $185,500 home in Jacksonville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jacksonville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,458a month

    Least cash to close
    Down payment
    $6,493
    Cash to close
    $12,058
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $82

  • Conventional, 5% down $1,424a month

    Down payment
    $9,275
    Cash to close
    $14,840
    Rate
    7.18%
    Mortgage insurance
    PMI · $88

  • Conventional, 20% down, no PMI $1,148a month

    Down payment
    $37,100
    Cash to close
    $42,665
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,319a month

    Down payment
    $27,825
    Cash to close
    $33,390
    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 Jacksonville and for Calhoun County.

Property tax

Effective rate in Jacksonville

0.42%of the home’s value each year

$783 a year for the typical owner in Jacksonville.

  • Jacksonville 0.42%
  • Calhoun 0.42%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Calhoun County

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

Homes in the high-risk zone
3.4%
1,566
Of those, with NFIP insurance
16%
County Alabama U.S.
Homes in the high-risk zone 3.4% 3.2% 3.5%
Of those, with NFIP insurance 16% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Jacksonville

Typical rent in Jacksonville is $820 a month: about the same as the county. In Jacksonville, 44% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Calhoun County, by unit size. To pay the 2-bedroom one ($1,010 a month) without spending more than 30% of your income, you would need to earn $19.42 an hour working full time.

HUD fair market rent for all of Calhoun 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 $796 $15.31 $31,840
1 bedroom $801 $15.40 $32,040
2 bedrooms $1,010 $19.42 $40,400
3 bedrooms $1,337 $25.71 $53,480
4 bedrooms $1,341 $25.79 $53,640

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 Jacksonville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jacksonville is in ZIP code 36265.

For 2 bedrooms it is $980: $30 less than the fair market rent for Calhoun County ($1,010).

  • 36265 $980$1,300

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

HUD lists 4 buildings with rents for lower incomes in Jacksonville. These are the largest.

  • Roebuck Manor 620 Church Ave SE, Jacksonville 36265 175 low-income homes · Run by Ha Jacksonville · Average payment: $368 a month · Average wait: 5 months · Homes at several sites (256) 435-2485
  • Myrick Manor 806 Washington ST SW, Jacksonville 36265 48 low-income homes · For older adults (256) 435-2485
  • Brookstone Village Apts 705 Gardner Dr SE, Jacksonville 36265 46 low-income homes · 1 bd: 22 · 2 bd: 24 · In service since 2009 · For older adults, people with disabilities
  • Hickory Run Apts II 710 Lynn Dr SE, Jacksonville 36265 40 low-income homes · 1 bd: 8 · 2 bd: 20 · 3 bd: 12 · In service since 2000 · For people with disabilities, families

See all 20 buildings in Calhoun County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Jacksonville

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 Calhoun County. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Jacksonville

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

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

  • Community Action Agency of Northeast Alabama, Inc.

    1481 McCurdy Ave S, Rainsville · 46 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (256) 638-4430

  • United Way of Central Alabama, Inc.

    3600 8th Ave S, Birmingham · 62 miles away

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

  • Operation Hope- Birmingham Al

    2100 Park Pl, Birmingham · 64 miles away

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

All counseling agencies in Alabama

Help in Spanish near Jacksonville

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 Jacksonville

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

  • Ha Jacksonville Public housing and Section 8 vouchers (256) 435-2485

3 other authorities have an office in Calhoun County: see the list Source: HUD

Cities

Other cities in Calhoun County

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

Everything about Calhoun County Housing in Alabama

Nearby cities

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

Neighboring counties

If Calhoun 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 Jacksonville.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Jacksonville

Short answers with the numbers for Jacksonville and all of Calhoun 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 Jacksonville?

The typical home value in Jacksonville is $185,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Calhoun County it is $156,600.

How much does it cost to rent in Jacksonville?

Typical rent in Jacksonville is $820 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Calhoun County is $1,010.

What is the FHA loan limit in Jacksonville?

Jacksonville uses the FHA limit for all of Calhoun 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 Jacksonville?

The typical homeowner in Jacksonville pays $783 a year, according to the U.S. Census Bureau. That is 0.42% of the home’s value; in Calhoun County, the rate is 0.42%.

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

We found no HUD-approved counseling agencies with an office in Calhoun 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).