In Orange Beach, a typical home is worth $502,400 and typical rent is $1,576 a month. Compared with all of Baldwin County, the typical home value is 59% higher, typical household income is 24% higher, and the share of households that own their home is 10 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $620,862 to $684,503.
Typical rent
$2,849a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Orange Beach is in Baldwin 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 Baldwin County. See the county
What this place has that others do not, from public data, most unusual first.
1
Orange Beach has the 3rd smallest share of rent-burdened renters of the 101 cities in Alabama with more than 5,000 people (32%).
2
Nearby, in Robertsdale, the typical home value is $229,300: 54% less than in Orange Beach ($502,400).
3
The typical home in Orange Beach is worth $502,400,59% more than in Baldwin County as a whole ($316,900).
4
Nearby, in Robertsdale, the typical rent is $996: 37% less than in Orange Beach ($1,576).
5
The typical household income in Orange Beach is $97,736,24% more than in Baldwin County as a whole ($78,775).
6
The typical rent in Orange Beach is $1,576 a month, 23% more than in Baldwin County as a whole ($1,277).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Orange Beach
What homes there are in Orange Beach, 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
Orange Beach
Baldwin County
Alabama
United States
Kind of home: Orange Beach and its comparisons
Measure
Orange Beach
Baldwin County
Alabama
United States
Detached house
23%
65%
69%
61%
Attached house
Unreliable estimate
2%
2%
6%
Building of 2 to 4
5%
4%
5%
8%
Apartments (5 or more)
69%
19%
12%
19%
Mobile home
2%
10%
12%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
There are more apartments in Orange Beach than in Baldwin County: 69% of homes, against 19%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Orange Beach
Baldwin County
Alabama
United States
Year built: Orange Beach and its comparisons
Measure
Orange Beach
Baldwin County
Alabama
United States
Before 1960
Unreliable estimate
5%
16%
26%
1960–1979
3%
13%
26%
24%
1980–1999
44%
34%
29%
25%
2000–2009
38%
26%
15%
14%
2010 or later
14%
22%
13%
11%
The typical year built in Orange Beach is 2000, about the same as in Baldwin County (1999).
Homes in Orange Beach are smaller: 63% have 3 bedrooms or more; in Baldwin County, 72%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K9%
$300K–$500K32%
$500K–$750K24%
$750K–$1M15%
$1M or more11%
Value of owner-occupied homes: Orange Beach and its comparisons
Measure
Orange Beach
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
9%
$300K–$500K
32%
$500K–$750K
24%
$750K–$1M
15%
$1M or more
11%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49924%
$1,500–$1,99945%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Orange Beach and its comparisons
Measure
Orange Beach
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
24%
$1,500–$1,999
45%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,951 a month
Baldwin County: $1,613 a month
Without a mortgage
$808 a month
Baldwin County: $474 a month
Owners with a mortgage
52%
Baldwin County: 59%
Owning costs more in Orange Beach: with a mortgage, the typical cost is $1,951 a month; in Baldwin County, $1,613. Without one, $808.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Orange Beach+69%
Baldwin County+60%
Alabama+47%
United States+53%
Typical rent
Orange Beach+41%
Baldwin County+25%
Alabama+27%
United States+33%
Typical household income
Orange Beach+19%
Baldwin County+35%
Alabama+27%
United States+29%
Change since 2015–2019: Orange Beach and its comparisons
Measure
Orange Beach
Baldwin County
Alabama
United States
Typical home value
+69%
+60%
+47%
+53%
Typical rent
+41%
+25%
+27%
+33%
Typical household income
+19%
+35%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Orange Beach rose 69%; in Baldwin County, it rose 60%.
The typical rent in Orange Beach rose 41% over the same time; in Baldwin County, it rose 25%.
Housing prices ran ahead of income in Orange Beach: typical income rose 19%, against +69% for home values and +41% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Orange Beach and its comparisons
Measure
Orange Beach
Baldwin County
Alabama
United States
Rental vacancy
69.3%
24.9%
7.2%
5.5%
Homeowner vacancy
Unreliable estimate
1.7%
1.1%
0.9%
More than one person per room
Unreliable estimate
1.6%
1.7%
3.4%
People per household
2.14
2.47
2.48
2.53
Drive alone
68%
79%
81%
69%
Carpool
Unreliable estimate
6%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
1%
3%
Work from home
22%
12%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
There is more rental housing open in Orange Beach: 69.3% is empty and offered for rent, against 24.9% in Baldwin County.
On average, a household in Orange Beach has 2.14 people, fewer than in Baldwin County (2.47).
In Orange Beach, 22% of workers work from home, more than in Baldwin County (12%).
Do the math
What would you pay each month for a home in Orange Beach?
A typical home costs more than the typical income allows
We start with a typical home in Orange Beach, worth $502,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Orange Beach, which is $97,736 a year. For that payment to be 28% of income, a household would need to earn about $166,918 a year.
The calculator's FHA and conventional loan limits are those of all of Baldwin 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 Orange Beach. 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 $17,584 (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
$3,895
at 7.18% · 30 years
Loan amount
$493,300
Total interest
$709,743
Paid off in
November 2056
Includes $8,484 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,281 a month
Tight
$2,281 to $2,932 a month
Hard
more than $2,932 a month
Your payment · 48%
Compared with the typical household income in Orange Beach ($97,736 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,342
Property tax
$121
Home insurance
$209
FHA mortgage insurance (MIP)
$222
You need at least $17,584 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 $3,895; principal and interest $3,342.
The city and its county
Orange Beach and Baldwin County
Orange Beach is in Baldwin 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).
Orange Beach
Map of Baldwin County, Alabama, with Orange Beach marked. Around it, the neighboring counties.
Orange Beach
Baldwin County
Other cities with a page
Orange Beach's own numbers
Typical home value
$502,400
Typical monthly rent
$1,576
Typical yearly household income
$97,736
Households that own their home
68%
Effective property tax rate
0.29%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Baldwin County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,434
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
11%
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 Baldwin County.
A typical home in Orange Beach is worth $502,400: 59% above the county and 139% above Alabama. With the typical household income in Orange Beach ($97,736 a year), a typical home costs 5.1 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.
Orange Beach5.1 years
Baldwin4.0 years
Alabama3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Baldwin County
According to FHFA’s house price index, home prices in Baldwin County rose 103% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Baldwin County.
Yearly change in FHFA’s price index in Baldwin County, 2016 to 2025
2016: +5.1% +5.1% 2016
2017: +4.9% +4.9% 2017
2018: +5.6% +5.6% 2018
2019: +6.9% +6.9% 2019
2020: +4.4% +4.4% 2020
2021: +13.5% +13.5% 2021
2022: +17.3% +17.3% 2022
2023: +11.2% +11.2% 2023
2024: +3.0% +3.0% 2024
2025: +2.3% +2.3% 2025
Change in FHFA’s price index in Baldwin County, Alabama and the United States
Period
County
Alabama
U.S.
Last year (2025)
+2.3%
+2.5%
+2.9%
5 years (2020–2025)
+56%
+47%
+47%
10 years (2015–2025)
+103%
+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
Orange Beach next to Baldwin 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
Orange Beach$502,400
Baldwin$316,900
Alabama$209,900
United States$332,700
Typical monthly rent
Orange Beach$1,576
Baldwin$1,277
Alabama$1,007
United States$1,413
Typical yearly household income
Orange Beach$97,736
Baldwin$78,775
Alabama$63,999
United States$80,734
See the full table
Orange Beach next to Baldwin County and Alabama
Measure
Orange Beach
Baldwin County
Alabama
U.S.
Typical home value
$502,400 ▲59% above the county
$316,900
$209,900
$332,700
Typical monthly rent
$1,576 ▲23% above the county
$1,277
$1,007
$1,413
Typical yearly household income
$97,736 ▲24% above the county
$78,775
$63,999
$80,734
Households that own their home
68% ▼10 points below the county
78%
70%
65%
Typical yearly property tax
$1,468 ▲53% above the county
$960
$788
$3,119
Effective property tax rate
0.29% ▼0.01 points below the county
0.3%
0.38%
0.94%
Renters with high rent for their income
32% ▼15 points below the county
47%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Baldwin 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 Orange Beach
For a typical $502,400 home in Orange Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Orange Beach's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,895a month
Least cash to close
Down payment
$17,584
Cash to close
$32,656
Rate
7.18%
Mortgage insurance
FHA MIP · $222
Conventional, 5% down$3,803a month
Down payment
$25,120
Cash to close
$40,192
Rate
7.18%
Mortgage insurance
PMI · $239
Conventional, 20% down, no PMI$3,053a month
Down payment
$100,480
Cash to close
$115,552
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,518a month
Down payment
$75,360
Cash to close
$90,432
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Orange Beach
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,895
$17,584
$493,300
7.18%
FHA MIP · $222
$32,656
580
Conventional, 5% down
$3,803
$25,120
$477,280
7.18%
PMI · $239
$40,192
620*
Conventional, 20% down, no PMI
$3,053
$100,480
$401,920
7.18%
None
$115,552
620*
ITIN, 15% down (example)
$3,518
$75,360
$427,040
8.18%
None
$90,432
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 Orange Beach is $1,576 a month: 23% above the county. In Orange Beach, 32% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Baldwin County, by unit size. To pay the 2-bedroom one ($1,434 a month) without spending more than 30% of your income, you would need to earn $27.58 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 Baldwin County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,180
$22.69
$47,200
1 bedroom
$1,317
$25.33
$52,680
2 bedrooms
$1,434
$27.58
$57,360
3 bedrooms
$1,855
$35.67
$74,200
4 bedrooms
$2,347
$45.13
$93,880
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 Orange Beach
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Orange Beach has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,230 in 36530 to $1,630 in 36561.
1 of the 2 is above the fair market rent for Baldwin County ($1,434).
Fair market rent by ZIP code and size in Orange Beach, fiscal year 2027.
36530
$1,010
$1,130
$1,230
$1,590
$2,010
36561
$1,340
$1,500
$1,630
$2,110
$2,670
ZIP code2 bd3 bd
36530 $1,230$1,590
36561 $1,630$2,110
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Orange Beach 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)
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 Baldwin 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 Orange Beach or Baldwin County. The ones below are statewide in Alabama: they work in Orange Beach 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).
The HUD-approved agencies closest to the center of Orange Beach, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Orange Beach or Baldwin 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 Orange Beach and all of Baldwin 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 Orange Beach?
The typical home value in Orange Beach is $502,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Baldwin County it is $316,900.
How much does it cost to rent in Orange Beach?
Typical rent in Orange Beach is $1,576 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Baldwin County is $1,434.
What is the FHA loan limit in Orange Beach?
Orange Beach uses the FHA limit for all of Baldwin 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 Orange Beach?
The typical homeowner in Orange Beach pays $1,468 a year, according to the U.S. Census Bureau. That is 0.29% of the home’s value; in Baldwin County, the rate is 0.3%.
Where can I find free help to buy or rent in Orange Beach?
We found no HUD-approved counseling agencies with an office in Baldwin County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
