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City · 7,305 residents · Talladega County, Alabama

Lincoln , Alabama

In Lincoln, a typical home is worth $187,200 and typical rent is $919 a month. Compared with all of Talladega County, the typical home value is 25% higher, typical rent is 17% higher, and the share of households that own their home is 21 points higher.

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  • Typical home value

    $187,200

    25% above the county

    11% below Alabama

    • Lincoln
    • Talladega
    • Alabama

  • Typical rent

    $919a month

    17% above the county

    9% below Alabama

    • Lincoln
    • Talladega
    • Alabama

  • Typical household income

    $57,145a year

    About the same as the county

    11% below Alabama

    • Lincoln
    • Talladega
    • Alabama

  • Households that own their home

    93%

    21 points above the county

    23 points above Alabama

    • Lincoln
    • Talladega
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$229,569
about the same as 12 months ago
Typical rent
$1,527 a month

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

Lincoln is in Talladega 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 Talladega County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lincoln apart

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

  1. Lincoln has the 2nd highest homeownership rate of the 120 cities in Alabama with more than 5,000 people (93%).

  2. Nearby, in Saks, the typical home value is $116,400: 38% less than in Lincoln ($187,200).

  3. The typical home in Lincoln is worth $187,200, 25% more than in Talladega County as a whole ($149,200).

  4. Nearby, in Talladega, the typical rent is $776: 16% less than in Lincoln ($919).

  5. The typical rent in Lincoln is $919 a month, 17% more than in Talladega County as a whole ($785).

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

The homes here

Housing in Lincoln

What homes there are in Lincoln, 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 65% in Talladega County.

Year built

Here half of the homes date from 1993 or later; in Talladega County, from 1984 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

At least 92% of owner-occupied homes in Lincoln are worth less than $500,000, below the FHA loan limit for Talladega County ($541,287).

Monthly rent with utilities

With a mortgage

$1,339 a month

Talladega County: $1,230 a month

Without a mortgage

$481 a month

Talladega County: $433 a month

Owners with a mortgage

48%

Talladega County: 48%

In Lincoln, 48% of owners have a mortgage, and their typical cost is $1,339 a month, against $1,230 in Talladega County. Without one it drops to $481.

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

Much as in Talladega County, the typical home value in Lincoln rose 43% since 2015–2019.

Rent in Lincoln 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

MeasureLincolnTalladega CountyAlabamaUnited States
Rental vacancy Unreliable estimate5.5%7.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate1.4%1.7%3.4%
People per household 2.452.312.482.53
Drive alone 90%85%81%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate4%9%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.45 on average, against 2.31 in Talladega County.

In Lincoln, 90% of workers drive alone to work; in Talladega 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 Lincoln?

A typical home is tight for the typical income

We start with a typical home in Lincoln, worth $187,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Lincoln, which is $57,145 a year. For that payment to be 28% of income, a household would need to earn about $62,396 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lincoln. 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 $6,552 (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

$1,456

at 7.18% · 30 years

Loan amount
$183,809
Total interest
$264,459
Paid off in
November 2056

Includes $3,161 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,333 a month

  • Tight

    $1,333 to $1,714 a month

    Your payment · 31%

  • Hard

    more than $1,714 a month

Compared with the typical household income in Lincoln ($57,145 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,456
Principal & interest$1,245
Property tax$50
Home insurance$78
FHA mortgage insurance (MIP)$83

You need at least $6,552 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

Lincoln and Talladega County

Lincoln is in Talladega 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).

Lincoln's own numbers

Typical home value
$187,200
Typical monthly rent
$919
Typical yearly household income
$57,145
Households that own their home
93%
Effective property tax rate
0.32%

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

Numbers for all of Talladega County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$977
Price change over 5 years (FHFA)
+42%
Homes in a high flood-risk zone
5.2%

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 Talladega County.

Everything about Talladega County

Buying

Buying a home in Lincoln

A typical home in Lincoln is worth $187,200: 25% above the county and 11% below Alabama. With the typical household income in Lincoln ($57,145 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.

  • Lincoln 3.3 years
  • Talladega 2.6 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Talladega County

According to FHFA’s house price index, home prices in Talladega County rose 64% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) +0.9% +2.5% +2.9%
5 years (2020–2025) +42% +47% +47%
10 years (2015–2025) +64% +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

Lincoln next to Talladega 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
  • Lincoln $187,200
  • Talladega $149,200
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Lincoln $919
  • Talladega $785
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Lincoln $57,145
  • Talladega $57,776
  • Alabama $63,999
  • United States $80,734
See the full table
Lincoln next to Talladega County and Alabama
Measure Lincoln Talladega County Alabama U.S.
Typical home value $187,200 $149,200 $209,900 $332,700
Typical monthly rent $919 $785 $1,007 $1,413
Typical yearly household income $57,145 $57,776 $63,999 $80,734
Households that own their home 93% 72% 70% 65%
Typical yearly property tax $592 $544 $788 $3,119
Effective property tax rate 0.32% 0.36% 0.38% 0.94%

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

For a typical $187,200 home in Lincoln, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lincoln's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,456a month

    Least cash to close
    Down payment
    $6,552
    Cash to close
    $12,168
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $83

  • Conventional, 5% down $1,422a month

    Down payment
    $9,360
    Cash to close
    $14,976
    Rate
    7.18%
    Mortgage insurance
    PMI · $89

  • Conventional, 20% down, no PMI $1,142a month

    Down payment
    $37,440
    Cash to close
    $43,056
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,316a month

    Down payment
    $28,080
    Cash to close
    $33,696
    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 Lincoln and for Talladega County.

Property tax

Effective rate in Lincoln

0.32%of the home’s value each year

$592 a year for the typical owner in Lincoln.

  • Lincoln 0.32%
  • Talladega 0.36%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Talladega County

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

Homes in the high-risk zone
5.2%
1,758
Of those, with NFIP insurance
14%
County Alabama U.S.
Homes in the high-risk zone 5.2% 3.2% 3.5%
Of those, with NFIP insurance 14% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lincoln

Typical rent in Lincoln is $919 a month: 17% above the county.

HUD publishes a fair market rent for all of Talladega County, by unit size. To pay the 2-bedroom one ($977 a month) without spending more than 30% of your income, you would need to earn $18.79 an hour working full time.

HUD fair market rent for all of Talladega 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 $764 $14.69 $30,560
1 bedroom $799 $15.37 $31,960
2 bedrooms $977 $18.79 $39,080
3 bedrooms $1,281 $24.63 $51,240
4 bedrooms $1,286 $24.73 $51,440

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 Lincoln

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lincoln has 2 ZIP codes with their own.

For 2 bedrooms it runs from $950 in 35160 to $1,180 in 35096.

1 of the 2 is above the fair market rent for Talladega County ($977).

  • 35096 $1,180$1,550
  • 35160 $950$1,250

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

HUD lists one building with rents for lower incomes in Lincoln.

  • Red Oak Ridge 35 Camille Way, Lincoln 35096 42 low-income homes · In service since 2018 · For families

See all 32 buildings in Talladega County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lincoln

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

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Lincoln

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

The HUD-approved agencies closest to the center of Lincoln, 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 · 38 miles away

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

  • Operation Hope- Birmingham Al

    2100 Park Pl, Birmingham · 39 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 · 40 miles away

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

All counseling agencies in Alabama

Help in Spanish near Lincoln

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 Lincoln

In HUD’s record, no housing authority with an office in Talladega County is named for Lincoln or Talladega County.

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

Cities

Other cities in Talladega County

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

Everything about Talladega County Housing in Alabama

Nearby cities

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

Neighboring counties

If Talladega 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 Lincoln.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Lincoln

Short answers with the numbers for Lincoln and all of Talladega 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 Lincoln?

The typical home value in Lincoln is $187,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Talladega County it is $149,200.

How much does it cost to rent in Lincoln?

Typical rent in Lincoln is $919 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Talladega County is $977.

What is the FHA loan limit in Lincoln?

Lincoln uses the FHA limit for all of Talladega 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 Lincoln?

The typical homeowner in Lincoln pays $592 a year, according to the U.S. Census Bureau. That is 0.32% of the home’s value; in Talladega County, the rate is 0.36%.

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

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