Español

Este sitio también está en español. Leer en español

City · 6,971 residents · Blount County, Alabama

Oneonta , Alabama

In Oneonta, a typical home is worth $221,000 and typical rent is $638 a month. Compared with all of Blount County, the typical home value is 26% higher, typical rent is 18% lower, and the share of households that own their home is 21 points lower.

WhatsApp

  • Typical home value

    $221,000

    26% above the county

    5% above Alabama

    • Oneonta
    • Blount
    • Alabama

  • Typical rent

    $638a month

    18% below the county

    37% below Alabama

    • Oneonta
    • Blount
    • Alabama

  • Typical household income

    $53,980a year

    16% below the county

    16% below Alabama

    • Oneonta
    • Blount
    • Alabama

  • Households that own their home

    60%

    21 points below the county

    10 points below Alabama

    • Oneonta
    • Blount
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$216,369
1.8% more than 12 months ago

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

Oneonta is in Blount 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 Blount County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Oneonta apart

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

  1. Oneonta has the 4th lowest typical rent of the 117 cities in Alabama with more than 5,000 people ($638).

  2. 60% of households in Oneonta own their home, against 81% in Blount County.

  3. The typical home in Oneonta is worth $221,000, 26% more than in Blount County as a whole ($175,200).

  4. The typical household income in Oneonta is $53,980, 16% less than in Blount County as a whole ($64,190).

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

The homes here

Housing in Oneonta

What homes there are in Oneonta, 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

The detached house is still the most common home in Oneonta, but it weighs less than in Blount County: 65% against 70%.

Year built

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 87% of owner-occupied homes in Oneonta are worth less than $500,000, below the FHA loan limit for Blount County ($541,287).

Monthly rent with utilities

With a mortgage

$1,650 a month

Blount County: $1,329 a month

Without a mortgage

$434 a month

Blount County: $427 a month

Owners with a mortgage

53%

Blount County: 52%

Owning costs more in Oneonta: with a mortgage, the typical cost is $1,650 a month; in Blount County, $1,329. Without one, $434.

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

From 2015–2019 to 2020–2024, the typical home value in Oneonta rose 41%; in Blount County, it rose 37%.

Rent in Oneonta 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

MeasureOneontaBlount CountyAlabamaUnited States
Rental vacancy Unreliable estimate4.4%7.2%5.5%
Homeowner vacancy Unreliable estimate1.9%1.1%0.9%
More than one person per room Unreliable estimate2.4%1.7%3.4%
People per household 2.382.662.482.53
Drive alone 83%84%81%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate6%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.38 on average, against 2.66 in Blount County.

To get to work, 83% of workers in Oneonta drive alone; in Blount 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 Oneonta?

A typical home costs more than the typical income allows

We start with a typical home in Oneonta, worth $221,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Oneonta, which is $53,980 a year. For that payment to be 28% of income, a household would need to earn about $75,319 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Oneonta. 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 $7,735 (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

$1,757

at 7.18% · 30 years

Loan amount
$216,997
Total interest
$312,208
Paid off in
November 2056

Includes $3,732 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,260 a month

  • Tight

    $1,260 to $1,619 a month

  • Hard

    more than $1,619 a month

    Your payment · 39%

Compared with the typical household income in Oneonta ($53,980 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,757
Principal & interest$1,470
Property tax$98
Home insurance$92
FHA mortgage insurance (MIP)$98

You need at least $7,735 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

Oneonta and Blount County

Oneonta is in Blount 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).

Oneonta's own numbers

Typical home value
$221,000
Typical monthly rent
$638
Typical yearly household income
$53,980
Households that own their home
60%
Effective property tax rate
0.53%

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

Numbers for all of Blount County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,375
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
0.9%

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 Blount County.

Everything about Blount County

Buying

Buying a home in Oneonta

A typical home in Oneonta is worth $221,000: 26% above the county and 5% above Alabama. With the typical household income in Oneonta ($53,980 a year), a typical home costs 4.1 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.

  • Oneonta 4.1 years
  • Blount 2.7 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Blount County

According to FHFA’s house price index, home prices in Blount County rose 73% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) −0.7% +2.5% +2.9%
5 years (2020–2025) +44% +47% +47%
10 years (2015–2025) +73% +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

Oneonta next to Blount 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
  • Oneonta $221,000
  • Blount $175,200
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Oneonta $638
  • Blount $776
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Oneonta $53,980
  • Blount $64,190
  • Alabama $63,999
  • United States $80,734
See the full table
Oneonta next to Blount County and Alabama
Measure Oneonta Blount County Alabama U.S.
Typical home value $221,000 $175,200 $209,900 $332,700
Typical monthly rent $638 $776 $1,007 $1,413
Typical yearly household income $53,980 $64,190 $63,999 $80,734
Households that own their home 60% 81% 70% 65%
Typical yearly property tax $1,163 $523 $788 $3,119
Effective property tax rate 0.53% 0.3% 0.38% 0.94%
Renters with high rent for their income 42% 42% 49% 51%

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

For a typical $221,000 home in Oneonta, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oneonta's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,757a month

    Least cash to close
    Down payment
    $7,735
    Cash to close
    $14,365
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $98

  • Conventional, 5% down $1,717a month

    Down payment
    $11,050
    Cash to close
    $17,680
    Rate
    7.18%
    Mortgage insurance
    PMI · $105

  • Conventional, 20% down, no PMI $1,387a month

    Down payment
    $44,200
    Cash to close
    $50,830
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,592a month

    Down payment
    $33,150
    Cash to close
    $39,780
    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 Oneonta and for Blount County.

Property tax

Effective rate in Oneonta

0.53%of the home’s value each year

$1,163 a year for the typical owner in Oneonta.

  • Oneonta 0.53%
  • Blount 0.3%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Blount County

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

Homes in the high-risk zone
0.9%
192
Of those, with NFIP insurance
8.9%
County Alabama U.S.
Homes in the high-risk zone 0.9% 3.2% 3.5%
Of those, with NFIP insurance 8.9% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Oneonta

Typical rent in Oneonta is $638 a month: 18% below the county. In Oneonta, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Blount County, by unit size. To pay the 2-bedroom one ($1,375 a month) without spending more than 30% of your income, you would need to earn $26.44 an hour working full time.

HUD fair market rent for all of Blount 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 $1,177 $22.63 $47,080
1 bedroom $1,263 $24.29 $50,520
2 bedrooms $1,375 $26.44 $55,000
3 bedrooms $1,727 $33.21 $69,080
4 bedrooms $1,941 $37.33 $77,640

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 Oneonta

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oneonta is in ZIP code 35121.

For 2 bedrooms it is $920: $455 less than the fair market rent for Blount County ($1,375).

  • 35121 $920$1,160

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

HUD lists 8 buildings with rents for lower incomes in Oneonta. These are the largest.

  • Harris Apts. 11 Hillcrest Cir, Oneonta 35121 166 low-income homes · Run by H A Oneonta · Average payment: $359 a month · Average wait: 4 months (205) 625-5955
  • Oak Meadows Apts 53 Valley Ct, Oneonta 35121 48 low-income homes · 2 bd: 36 · 3 bd: 12 · In service since 1999 · For people with disabilities, families
  • Dennis Bynum 619A Woodmeadow St, Oneonta 35121 43 low-income homes · For older adults (205) 625-4767
  • Ingle Manor 102 Ingle Dr, Oneonta 35121 40 low-income homes · For older adults (205) 625-4767
  • Mccay Senior Gardens 1637 Pocota Dr, Oneonta 35121 40 low-income homes · 1 bd: 12 · 2 bd: 28 · In service since 2016 · For people with disabilities

See all 11 buildings in Blount County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Oneonta

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Oneonta

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

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

  • Community Action Partnership of North Alabama - Cullman Branch

    107 2nd Ave, NE, Cullman · 26 miles away · Spanish

    • Rental counseling
    (256) 260-3108

  • United Way of Central Alabama, Inc.

    3600 8th Ave S, Birmingham · 34 miles away

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

  • Operation Hope- Birmingham Al

    2100 Park Pl, Birmingham · 35 miles away

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

All counseling agencies in Alabama

Help in Spanish near Oneonta

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 Oneonta

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

One other authority has an office in Blount County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Blount County Housing in Alabama

Neighboring counties

If Blount 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 Oneonta.

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

Questions

Housing questions about Oneonta

Short answers with the numbers for Oneonta and all of Blount 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 Oneonta?

The typical home value in Oneonta is $221,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Blount County it is $175,200.

How much does it cost to rent in Oneonta?

Typical rent in Oneonta is $638 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Blount County is $1,375.

What is the FHA loan limit in Oneonta?

Oneonta uses the FHA limit for all of Blount 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 Oneonta?

The typical homeowner in Oneonta pays $1,163 a year, according to the U.S. Census Bureau. That is 0.53% of the home’s value; in Blount County, the rate is 0.3%.

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

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