Español

Este sitio también está en español. Leer en español

City · 6,709 residents · Covington County, Alabama

Opp , Alabama

In Opp, a typical home is worth $115,700 and typical rent is $720 a month. Compared with all of Covington County, the typical home value is 24% lower, typical household income is 21% lower, and the share of households that own their home is 5 points lower.

WhatsApp

  • Typical home value

    $115,700

    24% below the county

    45% below Alabama

    • Opp
    • Covington
    • Alabama

  • Typical rent

    $720a month

    3% below the county

    29% below Alabama

    • Opp
    • Covington
    • Alabama

  • Typical household income

    $41,347a year

    21% below the county

    35% below Alabama

    • Opp
    • Covington
    • Alabama

  • Households that own their home

    71%

    5 points below the county

    1 points above Alabama

    • Opp
    • Covington
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$116,403
4.2% less than 12 months ago

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

Opp is in Covington 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 Covington County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Opp apart

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

  1. According to Zillow, in the 12 months to September 2026 the typical home value in Opp fell 4.2%; in Alabama, it rose 1.9%.

  2. The typical home in Opp is worth $115,700, 24% less than in Covington County as a whole ($152,100).

  3. The typical household income in Opp is $41,347, 21% less than in Covington County as a whole ($52,456).

  4. 71% of households in Opp own their home, against 76% in Covington County.

Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data

The homes here

Housing in Opp

What homes there are in Opp, 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

In Opp, 8 in 10 homes are single-family detached houses; in Covington County, 7.

Year built

In Opp, half of the homes were built before 1972; in Covington County, before 1979.

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

About 78% of rented homes in Opp cost less than HUD's 2-bedroom fair market rent for Covington County ($921).

With a mortgage

$1,060 a month

Covington County: $1,168 a month

Without a mortgage

$421 a month

Covington County: $396 a month

Owners with a mortgage

40%

Covington County: 40%

In Opp, 40% of owners have a mortgage, and their typical cost is $1,060 a month, against $1,168 in Covington County. Without one it drops to $421.

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 Opp gained value more slowly than in Covington County: 31% since 2015–2019, against 56%.

Much as in Covington County, the typical rent in Opp rose 19% since 2015–2019.

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

MeasureOppCovington CountyAlabamaUnited States
Rental vacancy Unreliable estimate3.5%7.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.7%3.4%
People per household 2.412.532.482.53
Drive alone 80%85%81%69%
Carpool 12%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

A household in Opp has 2.41 people on average, about the same as in Covington County (2.53).

To get to work, 80% of workers in Opp drive alone; in Covington 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 Opp?

A typical home is within reach of the typical income

We start with a typical home in Opp, worth $115,700, 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 Opp, which is $41,347 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Opp. 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 $4,050 (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

$902

at 7.18% · 30 years

Loan amount
$113,604
Total interest
$163,449
Paid off in
November 2056

Includes $1,954 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $965 a month

    Your payment · 26%

  • Tight

    $965 to $1,240 a month

  • Hard

    more than $1,240 a month

Compared with the typical household income in Opp ($41,347 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$902
Principal & interest$770
Property tax$33
Home insurance$48
FHA mortgage insurance (MIP)$51

You need at least $4,050 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

Opp and Covington County

Opp is in Covington 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).

Opp's own numbers

Typical home value
$115,700
Typical monthly rent
$720
Typical yearly household income
$41,347
Households that own their home
71%
Effective property tax rate
0.34%

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

Numbers for all of Covington County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$921
Price change over 5 years (FHFA)
+54%
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 Covington County.

Everything about Covington County

Buying

Buying a home in Opp

A typical home in Opp is worth $115,700: 24% below the county and 45% below Alabama. With the typical household income in Opp ($41,347 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.

  • Opp 2.8 years
  • Covington 2.9 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Covington County

According to FHFA’s house price index, home prices in Covington County rose 66% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) +3.6% +2.5% +2.9%
5 years (2020–2025) +54% +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

Opp next to Covington 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
  • Opp $115,700
  • Covington $152,100
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Opp $720
  • Covington $746
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Opp $41,347
  • Covington $52,456
  • Alabama $63,999
  • United States $80,734
See the full table
Opp next to Covington County and Alabama
Measure Opp Covington County Alabama U.S.
Typical home value $115,700 $152,100 $209,900 $332,700
Typical monthly rent $720 $746 $1,007 $1,413
Typical yearly household income $41,347 $52,456 $63,999 $80,734
Households that own their home 71% 76% 70% 65%
Typical yearly property tax $392 $397 $788 $3,119
Effective property tax rate 0.34% 0.26% 0.38% 0.94%
Renters with high rent for their income 53% 50% 49% 51%

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

For a typical $115,700 home in Opp, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Opp's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $902a month

    Least cash to close
    Down payment
    $4,050
    Cash to close
    $7,521
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $51

  • Conventional, 5% down $881a month

    Down payment
    $5,785
    Cash to close
    $9,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $55

  • Conventional, 20% down, no PMI $708a month

    Down payment
    $23,140
    Cash to close
    $26,611
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $815a month

    Down payment
    $17,355
    Cash to close
    $20,826
    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 Opp and for Covington County.

Property tax

Effective rate in Opp

0.34%of the home’s value each year

$392 a year for the typical owner in Opp.

  • Opp 0.34%
  • Covington 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 Covington County

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

Homes in the high-risk zone
3.3%
615
Of those, with NFIP insurance
14%
County Alabama U.S.
Homes in the high-risk zone 3.3% 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 Opp

Typical rent in Opp is $720 a month: 3% below the county. In Opp, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Covington County, by unit size. To pay the 2-bedroom one ($921 a month) without spending more than 30% of your income, you would need to earn $17.71 an hour working full time.

HUD fair market rent for all of Covington 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 $714 $13.73 $28,560
1 bedroom $719 $13.83 $28,760
2 bedrooms $921 $17.71 $36,840
3 bedrooms $1,181 $22.71 $47,240
4 bedrooms $1,539 $29.60 $61,560

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 Opp

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Opp is in ZIP code 36467.

For 2 bedrooms it is $920: $1 less than the fair market rent for Covington County ($921).

  • 36467 $920$1,180

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

HUD lists 3 buildings with rents for lower incomes in Opp. These are the largest.

  • Williams RD Apts 76B Lakeview Dr, Opp 36467 170 low-income homes · Run by Ha Opp · Average payment: $266 a month · Average wait: 6 months (334) 493-9741
  • Covington Park 2205 US Highway 84 W, Opp 36467 49 low-income homes · In service since 2019 · For families
  • Oak Hill Apartments 407 Brantley St, Opp 36467 37 homes, 36 low-income · For older adults (334) 764-6001

See all 12 buildings in Covington County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Opp

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Opp

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

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

  • Legal Services Alabama Inc

    2567 Fairlane Drive Suite 300, Montgomery · 72 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (886) 456-4995

  • Center for Fair Housing

    602 Bel Air Blvd, Mobile · 118 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (251) 479-1532

  • Renaissance Community Loan Fund-Mobile County, AL

    584 Azalea Rd, Mobile · 120 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (228) 896-3386

All counseling agencies in Alabama

Help in Spanish near Opp

2 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 Opp

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

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

Cities

Other cities in Covington County

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

Everything about Covington County Housing in Alabama

Nearby cities

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

Neighboring counties

If Covington 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 Opp.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Opp

Short answers with the numbers for Opp and all of Covington 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 Opp?

The typical home value in Opp is $115,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Covington County it is $152,100.

How much does it cost to rent in Opp?

Typical rent in Opp is $720 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Covington County is $921.

What is the FHA loan limit in Opp?

Opp uses the FHA limit for all of Covington 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 Opp?

The typical homeowner in Opp pays $392 a year, according to the U.S. Census Bureau. That is 0.34% of the home’s value; in Covington County, the rate is 0.26%.

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

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