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City · 14,442 residents · Walker County, Alabama

Jasper , Alabama

In Jasper, a typical home is worth $215,700 and typical rent is $721 a month. Compared with all of Walker County, the typical home value is 59% higher, typical household income is 17% higher, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $215,700

    59% above the county

    3% above Alabama

    • Jasper
    • Walker
    • Alabama

  • Typical rent

    $721a month

    5% below the county

    28% below Alabama

    • Jasper
    • Walker
    • Alabama

  • Typical household income

    $66,238a year

    17% above the county

    3% above Alabama

    • Jasper
    • Walker
    • Alabama

  • Households that own their home

    66%

    10 points below the county

    4 points below Alabama

    • Jasper
    • Walker
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$199,710
4.1% more than 12 months ago
Typical rent
$1,604 a month
about the same as 12 months ago

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

Jasper is in Walker 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 Walker County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Jasper apart

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

  1. Jasper has the 2nd smallest share of rent-burdened renters of the 101 cities in Alabama with more than 5,000 people (31%).

  2. The typical home in Jasper is worth $215,700, 59% more than in Walker County as a whole ($135,900).

  3. Nearby, in Fairfield, the typical home value is $129,300: 40% less than in Jasper ($215,700).

  4. The typical household income in Jasper is $66,238, 17% more than in Walker County as a whole ($56,509).

  5. 66% of households in Jasper own their home, against 76% in Walker County.

  6. 6% of households in Jasper have no internet at home (13% in Walker County).

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

The homes here

Housing in Jasper

What homes there are in Jasper, 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 houses, standing on their own, make up 72% of homes here, against 64% in Walker County.

Year built

The typical home in Jasper was built in 1977, 6 years before the typical one in Walker County.

Homes in Jasper are smaller: 60% have 3 bedrooms or more; in Walker 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

The FHA limit for Walker County is high ($541,287): at least 91% of owner-occupied homes in Jasper are worth less than $500,000.

Monthly rent with utilities

By rent, most homes in Jasper cost less than HUD's 2-bedroom fair market rent ($949): about 74%.

With a mortgage

$1,518 a month

Walker County: $1,240 a month

Without a mortgage

$455 a month

Walker County: $399 a month

Owners with a mortgage

54%

Walker County: 43%

The typical cost for an owner with a mortgage in Jasper is $1,518 a month, more than in Walker County ($1,240); without one, $455.

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 Jasper gained value faster than in Walker County: 44% against 30%.

Rent in Jasper moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureJasperWalker CountyAlabamaUnited States
Rental vacancy 10.6%8.1%7.2%5.5%
Homeowner vacancy Unreliable estimate1.3%1.1%0.9%
More than one person per room Unreliable estimate1.6%1.7%3.4%
People per household 2.612.512.482.53
Drive alone 86%84%81%69%
Carpool 8%10%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate3%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

In Jasper, the rental vacancy rate is 10.6%; in Walker County, 8.1%.

By size, households in Jasper look like those in Walker County: 2.61 people on average.

To get to work, 86% of workers in Jasper drive alone; in Walker County, 84%.

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 Jasper?

A typical home is tight for the typical income

We start with a typical home in Jasper, worth $215,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Jasper, which is $66,238 a year. For that payment to be 28% of income, a household would need to earn about $72,049 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Jasper. 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 $7,550 (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

$1,681

at 7.18% · 30 years

Loan amount
$211,793
Total interest
$304,720
Paid off in
November 2056

Includes $3,643 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,546 a month

  • Tight

    $1,546 to $1,987 a month

    Your payment · 30%

  • Hard

    more than $1,987 a month

Compared with the typical household income in Jasper ($66,238 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,681
Principal & interest$1,435
Property tax$61
Home insurance$90
FHA mortgage insurance (MIP)$95

You need at least $7,550 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

Jasper and Walker County

Jasper is in Walker 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).

Jasper's own numbers

Typical home value
$215,700
Typical monthly rent
$721
Typical yearly household income
$66,238
Households that own their home
66%
Effective property tax rate
0.34%

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

Numbers for all of Walker County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$949
Price change over 5 years (FHFA)
+51%
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 Walker County.

Everything about Walker County

Buying

Buying a home in Jasper

A typical home in Jasper is worth $215,700: 59% above the county and 3% above Alabama. With the typical household income in Jasper ($66,238 a year), a typical home costs 3.3 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.

  • Jasper 3.3 years
  • Walker 2.4 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Walker County

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

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

Period County Alabama U.S.
Last year (2025) +10.7% +2.5% +2.9%
5 years (2020–2025) +51% +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

Jasper next to Walker 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
  • Jasper $215,700
  • Walker $135,900
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Jasper $721
  • Walker $756
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Jasper $66,238
  • Walker $56,509
  • Alabama $63,999
  • United States $80,734
See the full table
Jasper next to Walker County and Alabama
Measure Jasper Walker County Alabama U.S.
Typical home value $215,700 $135,900 $209,900 $332,700
Typical monthly rent $721 $756 $1,007 $1,413
Typical yearly household income $66,238 $56,509 $63,999 $80,734
Households that own their home 66% 76% 70% 65%
Typical yearly property tax $742 $356 $788 $3,119
Effective property tax rate 0.34% 0.26% 0.38% 0.94%
Renters with high rent for their income 31% 41% 49% 51%

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

For a typical $215,700 home in Jasper, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jasper's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,681a month

    Least cash to close
    Down payment
    $7,550
    Cash to close
    $14,021
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $95

  • Conventional, 5% down $1,642a month

    Down payment
    $10,785
    Cash to close
    $17,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $102

  • Conventional, 20% down, no PMI $1,320a month

    Down payment
    $43,140
    Cash to close
    $49,611
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,519a month

    Down payment
    $32,355
    Cash to close
    $38,826
    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 Jasper and for Walker County.

Property tax

Effective rate in Jasper

0.34%of the home’s value each year

$742 a year for the typical owner in Jasper.

  • Jasper 0.34%
  • Walker 0.26%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Walker County

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

Homes in the high-risk zone
2%
575
Of those, with NFIP insurance
9.6%
County Alabama U.S.
Homes in the high-risk zone 2% 3.2% 3.5%
Of those, with NFIP insurance 9.6% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Jasper

Typical rent in Jasper is $721 a month: 5% below the county. In Jasper, 31% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Walker County, by unit size. To pay the 2-bedroom one ($949 a month) without spending more than 30% of your income, you would need to earn $18.25 an hour working full time.

HUD fair market rent for all of Walker 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 $684 $13.15 $27,360
1 bedroom $776 $14.92 $31,040
2 bedrooms $949 $18.25 $37,960
3 bedrooms $1,314 $25.27 $52,560
4 bedrooms $1,586 $30.50 $63,440

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 Jasper

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jasper has 3 ZIP codes with their own.

For 2 bedrooms it runs from $960 in 35503 to $990 in 35501.

3 of the 3 are above the fair market rent for Walker County ($949).

  • 35501 $990$1,370
  • 35503 $960$1,330
  • 35504 $960$1,330

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Jasper 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 Jasper

HUD lists 11 buildings with rents for lower incomes in Jasper. These are the largest.

  • Petree/Mathews Apts 1000 Petree Cir, Jasper 35501 186 low-income homes · Run by Housing Authority of the City of Jasper · Average payment: $301 a month · Average wait: 6 months (205) 384-4864
  • Bankhead/Carver Apts 1005 20th St W, Jasper 35501 136 low-income homes · Run by Housing Authority of the City of Jasper · Average payment: $368 a month · Average wait: 4 months · Homes at several sites (205) 384-4864
  • Mountainside Apts 19 Mountainside Cir, Jasper 35504 56 low-income homes · 1 bd: 4 · 2 bd: 42 · 3 bd: 10 · In service since 2003 · For people with disabilities, families
  • East Elderly Village 1110 24th St SE, Jasper 35501 50 low-income homes · For older adults (205) 384-4864
  • High Forest Apts II 77 High Forest Ln, Jasper 35501 48 low-income homes · 1 bd: 16 · 2 bd: 30 · 3 bd: 2 · In service since 2009 · For people with disabilities, families

See all 21 buildings in Walker County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Jasper

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 Walker County; none says it serves in Spanish.

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 Jasper

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

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

  • Walker County Community Action Agency

    224 Highway 195, Jasper · 1 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (205) 221-4011

  • Community Action Partnership of North Alabama - Cullman Branch

    107 2nd Ave, NE, Cullman · 33 miles away · Spanish

    • Rental counseling
    (256) 260-3108

  • Neighborhood Housing Services of Birmingham, Inc.

    601 19th St N, Birmingham · 35 miles away

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

Every agency in Walker County All counseling agencies in Alabama

Help in Spanish near Jasper

1 of the 3 agencies on this list says it serves 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 Jasper

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

  • Housing Authority of the City of Jasper Public housing and Section 8 vouchers (205) 384-4864
  • Walker County Housing Authority Public housing and Section 8 vouchers (205) 648-5963

4 other authorities have an office in Walker County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Walker County Housing in Alabama

Neighboring counties

If Walker 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 Jasper.

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

Questions

Housing questions about Jasper

Short answers with the numbers for Jasper and all of Walker 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 Jasper?

The typical home value in Jasper is $215,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Walker County it is $135,900.

How much does it cost to rent in Jasper?

Typical rent in Jasper is $721 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Walker County is $949.

What is the FHA loan limit in Jasper?

Jasper uses the FHA limit for all of Walker 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 Jasper?

The typical homeowner in Jasper pays $742 a year, according to the U.S. Census Bureau. That is 0.34% of the home’s value; in Walker County, the rate is 0.26%.

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

There is 1 HUD-approved counseling agency with an office in Walker County. 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).