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City · 6,378 residents · Madison County, Alabama

Moores Mill , Alabama

In Moores Mill, a typical home is worth $274,000 and typical rent is $1,288 a month. Compared with all of Madison County, typical household income is 12% higher, the typical home value is 8% lower, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $274,000

    8% below the county

    31% above Alabama

    • Moores Mill
    • Madison
    • Alabama

  • Typical rent

    $1,288a month

    7% above the county

    28% above Alabama

    • Moores Mill
    • Madison
    • Alabama

  • Typical household income

    $96,774a year

    12% above the county

    51% above Alabama

    • Moores Mill
    • Madison
    • Alabama

  • Households that own their home

    79%

    10 points above the county

    8 points above Alabama

    • Moores Mill
    • Madison
    • Alabama

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

Moores Mill is in Madison 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 Madison County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Moores Mill apart

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

  1. Nearby, in Athens, the typical rent is $899: 30% less than in Moores Mill ($1,288).

  2. Moores Mill has the 6th largest share of rent-burdened renters of the 101 cities in Alabama with more than 5,000 people (63%).

  3. 79% of households in Moores Mill own their home, against 68% in Madison County.

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

The homes here

Housing in Moores Mill

What homes there are in Moores Mill, 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 86% of homes here, against 71% in Madison County.

In Moores Mill there are many mobile homes: 12% of homes; in Madison County, 4%.

Year built

Homes in Moores Mill are newer: the typical year built is 1997; in Madison County, 1992.

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
Monthly rent with utilities

With a mortgage

$1,472 a month

Madison County: $1,562 a month

Without a mortgage

$401 a month

Madison County: $480 a month

Owners with a mortgage

66%

Madison County: 63%

In Moores Mill, 66% of owners have a mortgage, and their typical cost is $1,472 a month, against $1,562 in Madison County. Without one it drops to $401.

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

Homes in Moores Mill gained value more slowly than in Madison County: 56% since 2015–2019, against 61%.

Rents in Moores Mill rose faster than in Madison County: 52% since 2015–2019, against 41%.

Housing prices ran ahead of income in Moores Mill: typical income rose 32%, against +56% for home values and +52% for rent.

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

MeasureMoores MillMadison CountyAlabamaUnited States
Rental vacancy Unreliable estimate6.5%7.2%5.5%
Homeowner vacancy Unreliable estimate0.8%1.1%0.9%
More than one person per room Unreliable estimate1.3%1.7%3.4%
People per household 2.512.392.482.53
Drive alone 80%76%81%69%
Carpool 13%7%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home Unreliable estimate15%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.51 on average, against 2.39 in Madison County.

More people carpool to work in Moores Mill than in Madison County: 13% against 7%.

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 Moores Mill?

A typical home is within reach of the typical income

We start with a typical home in Moores Mill, worth $274,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Moores Mill, which is $96,774 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Moores Mill. 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 $9,590 (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

$2,131

at 7.18% · 30 years

Loan amount
$269,037
Total interest
$387,081
Paid off in
November 2056

Includes $4,627 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,258 a month

    Your payment · 26%

  • Tight

    $2,258 to $2,903 a month

  • Hard

    more than $2,903 a month

Compared with the typical household income in Moores Mill ($96,774 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,131
Principal & interest$1,823
Property tax$73
Home insurance$114
FHA mortgage insurance (MIP)$121

You need at least $9,590 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

Moores Mill and Madison County

Moores Mill is in Madison 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).

Moores Mill's own numbers

Typical home value
$274,000
Typical monthly rent
$1,288
Typical yearly household income
$96,774
Households that own their home
79%
Effective property tax rate
0.32%

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

Numbers for all of Madison County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,341
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
3.3%

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 Madison County.

Everything about Madison County

Buying

Buying a home in Moores Mill

A typical home in Moores Mill is worth $274,000: 8% below the county and 31% above Alabama. With the typical household income in Moores Mill ($96,774 a year), a typical home costs 2.8 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.

  • Moores Mill 2.8 years
  • Madison 3.5 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Madison County

According to FHFA’s house price index, home prices in Madison County rose 93% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) +1.2% +2.5% +2.9%
5 years (2020–2025) +53% +47% +47%
10 years (2015–2025) +93% +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

Moores Mill next to Madison 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
  • Moores Mill $274,000
  • Madison $299,200
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Moores Mill $1,288
  • Madison $1,209
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Moores Mill $96,774
  • Madison $86,499
  • Alabama $63,999
  • United States $80,734
See the full table
Moores Mill next to Madison County and Alabama
Measure Moores Mill Madison County Alabama U.S.
Typical home value $274,000 $299,200 $209,900 $332,700
Typical monthly rent $1,288 $1,209 $1,007 $1,413
Typical yearly household income $96,774 $86,499 $63,999 $80,734
Households that own their home 79% 68% 70% 65%
Typical yearly property tax $865 $1,185 $788 $3,119
Effective property tax rate 0.32% 0.4% 0.38% 0.94%
Renters with high rent for their income 63% 44% 49% 51%

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

For a typical $274,000 home in Moores Mill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Moores Mill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,131a month

    Least cash to close
    Down payment
    $9,590
    Cash to close
    $17,810
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $121

  • Conventional, 5% down $2,081a month

    Down payment
    $13,700
    Cash to close
    $21,920
    Rate
    7.18%
    Mortgage insurance
    PMI · $130

  • Conventional, 20% down, no PMI $1,672a month

    Down payment
    $54,800
    Cash to close
    $63,020
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,925a month

    Down payment
    $41,100
    Cash to close
    $49,320
    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 Moores Mill and for Madison County.

Property tax

Effective rate in Moores Mill

0.32%of the home’s value each year

$865 a year for the typical owner in Moores Mill.

  • Moores Mill 0.32%
  • Madison 0.4%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Madison County

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

Homes in the high-risk zone
3.3%
4,593
Of those, with NFIP insurance
38%
County Alabama U.S.
Homes in the high-risk zone 3.3% 3.2% 3.5%
Of those, with NFIP insurance 38% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Moores Mill

Typical rent in Moores Mill is $1,288 a month: 7% above the county. In Moores Mill, 63% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Madison County, by unit size. To pay the 2-bedroom one ($1,341 a month) without spending more than 30% of your income, you would need to earn $25.79 an hour working full time.

HUD fair market rent for all of Madison 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 $1,119 $21.52 $44,760
1 bedroom $1,177 $22.63 $47,080
2 bedrooms $1,341 $25.79 $53,640
3 bedrooms $1,735 $33.37 $69,400
4 bedrooms $2,241 $43.10 $89,640

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 Moores Mill

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

For 2 bedrooms it runs from $1,280 in 35811 to $1,650 in 35759.

1 of the 2 is above the fair market rent for Madison County ($1,341).

  • 35759 $1,650$2,130
  • 35811 $1,280$1,660

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

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 3 HUD-approved agencies with an office in Madison 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 Moores Mill

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

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

  • Community Action Partnership, Huntsville/Madison & Limestone Counties, Inc

    3516 Stringfield Rd NW, Huntsville · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (256) 851-9800

  • Family Services Center, Inc.

    520 Madison St SE, Huntsville · 9 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (256) 551-1610

  • Nid-Hca Madison

    1525 Perimeter Pkwy NW, Huntsville · 11 miles away

    • Budget and credit workshops
    • Home improvement and repairs
    • and 5 more
    (256) 850-3132

Every agency in Madison County All counseling agencies in Alabama

Help in Spanish near Moores Mill

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 Moores Mill

In HUD’s record, no housing authority with an office in Madison County is named for Moores Mill or Madison County.

2 other authorities have an office in Madison County: see the list Source: HUD

Cities

Other cities in Madison County

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

Everything about Madison County Housing in Alabama

Nearby cities

The cities closest to Moores Mill, with the typical home value.

Neighboring counties

If Madison 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 Moores Mill.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Moores Mill

Short answers with the numbers for Moores Mill and all of Madison 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 Moores Mill?

The typical home value in Moores Mill is $274,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Madison County it is $299,200.

How much does it cost to rent in Moores Mill?

Typical rent in Moores Mill is $1,288 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Madison County is $1,341.

What is the FHA loan limit in Moores Mill?

Moores Mill uses the FHA limit for all of Madison 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 Moores Mill?

The typical homeowner in Moores Mill pays $865 a year, according to the U.S. Census Bureau. That is 0.32% of the home’s value; in Madison County, the rate is 0.4%.

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

There are 3 HUD-approved counseling agencies with an office in Madison 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).