In Millbrook, a typical home is worth $207,100 and typical rent is $1,111 a month. Compared with all of Elmore County, typical household income is 10% lower and the typical home value is 8% lower.
Typical home value from Zillow, September 2021 to September 2026: from $174,436 to $222,781.
Typical rent
$1,408a month
▲ 5.6% more than 12 months ago
Typical rent from Zillow, March 2024 to September 2026: from $1,200 to $1,408.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Millbrook 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: 22% less than in Millbrook ($207,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Millbrook
What homes there are in Millbrook, 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
Millbrook
Elmore County
Alabama
United States
Kind of home: Millbrook and its comparisons
Measure
Millbrook
Elmore County
Alabama
United States
Detached house
79%
76%
69%
61%
Attached house
Unreliable estimate
1%
2%
6%
Building of 2 to 4
Unreliable estimate
2%
5%
8%
Apartments (5 or more)
12%
5%
12%
19%
Mobile home
3%
15%
12%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Millbrook: 79% of homes, more than in Elmore County (76%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Millbrook
Elmore County
Alabama
United States
Year built: Millbrook and its comparisons
Measure
Millbrook
Elmore County
Alabama
United States
Before 1960
5%
8%
16%
26%
1960–1979
21%
21%
26%
24%
1980–1999
33%
29%
29%
25%
2000–2009
22%
21%
15%
14%
2010 or later
18%
20%
13%
11%
By age, homes in Millbrook look like those in Elmore County: the typical year built is 1996.
In Millbrook, 80% of homes have 3 bedrooms or more, about the same as in Elmore County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K9%
$100K–$200K38%
$200K–$300K36%
$300K–$500K14%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Millbrook and its comparisons
Measure
Millbrook
Under $100K
9%
$100K–$200K
38%
$200K–$300K
36%
$300K–$500K
14%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
The FHA limit for Elmore County is high ($541,287): at least 98% of owner-occupied homes in Millbrook are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99927%
$1,000–$1,49954%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Millbrook and its comparisons
Measure
Millbrook
Under $500
Unreliable estimate
$500–$999
27%
$1,000–$1,499
54%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,375 a month
Elmore County: $1,432 a month
Without a mortgage
$417 a month
Elmore County: $416 a month
Owners with a mortgage
66%
Elmore County: 61%
In Millbrook, 66% of owners have a mortgage; their typical cost is $1,375 a month, about the same as in Elmore County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Millbrook+34%
Elmore County+34%
Alabama+47%
United States+53%
Typical rent
Millbrook+17%
Elmore County+20%
Alabama+27%
United States+33%
Typical household income
MillbrookNo clear change
Elmore County+29%
Alabama+27%
United States+29%
Change since 2015–2019: Millbrook and its comparisons
Measure
Millbrook
Elmore County
Alabama
United States
Typical home value
+34%
+34%
+47%
+53%
Typical rent
+17%
+20%
+27%
+33%
Typical household income
No clear change
+29%
+27%
+29%
The typical home value in Millbrook rose 34% since 2015–2019, about the same as in Elmore County (34%).
The typical rent in Millbrook rose 17% over the same time; in Elmore County, it rose 20%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Millbrook and its comparisons
Measure
Millbrook
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
2.53
2.60
2.48
2.53
Drive alone
84%
84%
81%
69%
Carpool
9%
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
7%
7%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
By size, households in Millbrook look like those in Elmore County: 2.53 people on average.
In Millbrook, 84% of workers drive alone to work; in Elmore County, 84%.
Do the math
What would you pay each month for a home in Millbrook?
A typical home is within reach of the typical income
We start with a typical home in Millbrook, worth $207,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Millbrook, which is $70,313 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 Millbrook. 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 $7,249 (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
$1,606
at 7.18% · 30 years
Loan amount
$203,348
Total interest
$292,571
Paid off in
November 2056
Includes $3,497 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,641 a month
Your payment · 27%
Tight
$1,641 to $2,109 a month
Hard
more than $2,109 a month
Compared with the typical household income in Millbrook ($70,313 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,378
Property tax
$50
Home insurance
$86
FHA mortgage insurance (MIP)
$92
You need at least $7,249 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 $1,606; principal and interest $1,378.
The city and its county
Millbrook and Elmore County
Millbrook 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).
Millbrook
Map of Elmore County, Alabama, with Millbrook marked. Around it, the neighboring counties.
Millbrook
Elmore County
Other cities with a page
Millbrook's own numbers
Typical home value
$207,100
Typical monthly rent
$1,111
Typical yearly household income
$70,313
Households that own their home
75%
Effective property tax rate
0.29%
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 Millbrook is worth $207,100: 8% below the county and about the same as Alabama. With the typical household income in Millbrook ($70,313 a year), a typical home costs 2.9 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.
Millbrook2.9 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
Millbrook 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
Millbrook$207,100
Elmore$223,900
Alabama$209,900
United States$332,700
Typical monthly rent
Millbrook$1,111
Elmore$1,071
Alabama$1,007
United States$1,413
Typical yearly household income
Millbrook$70,313
Elmore$78,243
Alabama$63,999
United States$80,734
See the full table
Millbrook next to Elmore County and Alabama
Measure
Millbrook
Elmore County
Alabama
U.S.
Typical home value
$207,100 ▼8% below the county
$223,900
$209,900
$332,700
Typical monthly rent
$1,111 ▲4% above the county
$1,071
$1,007
$1,413
Typical yearly household income
$70,313 ▼10% below the county
$78,243
$63,999
$80,734
Households that own their home
75% ▼2 points below the county
77%
70%
65%
Typical yearly property tax
$597 ▼2% below the county
$610
$788
$3,119
Effective property tax rate
0.29% ▲0.02 points above the county
0.27%
0.38%
0.94%
Renters with high rent for their income
43% ▼2 points below the county
45%
49%
51%
“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 Millbrook
For a typical $207,100 home in Millbrook, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Millbrook's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,605a month
Least cash to close
Down payment
$7,249
Cash to close
$13,462
Rate
7.18%
Mortgage insurance
FHA MIP · $92
Conventional, 5% down$1,568a month
Down payment
$10,355
Cash to close
$16,568
Rate
7.18%
Mortgage insurance
PMI · $98
Conventional, 20% down, no PMI$1,259a month
Down payment
$41,420
Cash to close
$47,633
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,450a month
Down payment
$31,065
Cash to close
$37,278
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Millbrook
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,605
$7,249
$203,349
7.18%
FHA MIP · $92
$13,462
580
Conventional, 5% down
$1,568
$10,355
$196,745
7.18%
PMI · $98
$16,568
620*
Conventional, 20% down, no PMI
$1,259
$41,420
$165,680
7.18%
None
$47,633
620*
ITIN, 15% down (example)
$1,450
$31,065
$176,035
8.18%
None
$37,278
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 Millbrook is $1,111 a month: 4% above the county. In Millbrook, 43% of renter households pay 30% or more of their income in rent.
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 Millbrook
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Millbrook is in ZIP code 36054.
For 2 bedrooms it is $1,130: $20 less than the fair market rent for Elmore County ($1,150).
Fair market rent by ZIP code and size in Millbrook, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
36054
$970
$990
$1,130
$1,450
$1,680
ZIP code2 bd3 bd
36054 $1,130$1,450
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Millbrook 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)
HUD lists 4 buildings with rents for lower incomes in Millbrook. These are the largest.
Rolling Hills Terrace445 Deatsville Hwy, Millbrook 36054136 low-income homes · 1 bd: 16 · 2 bd: 84 · 3 bd: 36 · In service since 1996 · For older adults, people with disabilities
Belle Vue Square500 Sweetwater Dr, Millbrook 3605456 low-income homes · 2 bd: 24 · 3 bd: 32 · In service since 2010 · For people with disabilities, families
Hamilton Place Apts111 Todd Trl, Millbrook 3605456 low-income homes · 1 bd: 30 · 2 bd: 26 · In service since 2005 · For older adults, people with disabilities
The Springs Apts106 Birch St, Millbrook 3605424 homes, 20 low-income · 1 bd: 12 · 2 bd: 12 · In service since 2001 · For older adults, people with disabilities
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 Millbrook or Elmore County. The ones below are statewide in Alabama: they work in Millbrook 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 Millbrook 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 Millbrook 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 Millbrook?
The typical home value in Millbrook is $207,100, 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 Millbrook?
Typical rent in Millbrook is $1,111 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 Millbrook?
Millbrook 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 Millbrook?
The typical homeowner in Millbrook pays $597 a year, according to the U.S. Census Bureau. That is 0.29% of the home’s value; in Elmore County, the rate is 0.27%.
Where can I find free help to buy or rent in Millbrook?
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.
