In Ozark, a typical home is worth $148,900 and typical rent is $694 a month. Compared with all of Dale County, typical rent is 22% lower and typical household income is 11% lower.
Typical home value from Zillow, September 2021 to September 2026: from $119,342 to $147,561.
Typical rent
$1,275a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ozark is in Dale 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 Dale County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Opp, the typical home value is $115,700: 22% less than in Ozark ($148,900).
2
The typical rent in Ozark is $694 a month, 22% less than in Dale County as a whole ($889).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Ozark
What homes there are in Ozark, 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
Ozark
Dale County
Alabama
United States
Kind of home: Ozark and its comparisons
Measure
Ozark
Dale County
Alabama
United States
Detached house
74%
64%
69%
61%
Attached house
Unreliable estimate
3%
2%
6%
Building of 2 to 4
11%
7%
5%
8%
Apartments (5 or more)
Unreliable estimate
6%
12%
19%
Mobile home
6%
20%
12%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Ozark: 74% of homes, more than in Dale County (64%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Ozark
Dale County
Alabama
United States
Year built: Ozark and its comparisons
Measure
Ozark
Dale County
Alabama
United States
Before 1960
20%
13%
16%
26%
1960–1979
37%
32%
26%
24%
1980–1999
29%
32%
29%
25%
2000–2009
9%
13%
15%
14%
2010 or later
6%
10%
13%
11%
The typical home in Ozark was built in 1977, 6 years before the typical one in Dale 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 $100K29%
$100K–$200K38%
$200K–$300K19%
$300K–$500K12%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Ozark and its comparisons
Measure
Ozark
Under $100K
29%
$100K–$200K
38%
$200K–$300K
19%
$300K–$500K
12%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
The FHA limit for Dale County is high ($541,287): at least 98% of owner-occupied homes in Ozark are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50020%
$500–$99953%
HUD fair market rent, 2 bedrooms: $921
$1,000–$1,49924%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ozark and its comparisons
Measure
Ozark
Under $500
20%
$500–$999
53%
$1,000–$1,499
24%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Dale County is $921: about 64% of rents in Ozark are below it.
With a mortgage
$1,105 a month
Dale County: $1,154 a month
Without a mortgage
$388 a month
Dale County: $380 a month
Owners with a mortgage
46%
Dale County: 48%
The typical cost for an owner with a mortgage in Ozark is $1,105 a month, near the figure in Dale County ($1,154).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ozark+29%
Dale County+28%
Alabama+47%
United States+53%
Typical rent
OzarkNo clear change
Dale County+22%
Alabama+27%
United States+33%
Typical household income
Ozark+19%
Dale County+16%
Alabama+27%
United States+29%
Change since 2015–2019: Ozark and its comparisons
Measure
Ozark
Dale County
Alabama
United States
Typical home value
+29%
+28%
+47%
+53%
Typical rent
No clear change
+22%
+27%
+33%
Typical household income
+19%
+16%
+27%
+29%
From 2015–2019 to 2020–2024, home values in Ozark rose at about the same pace as in Dale County: 29% against 28%.
Rent in Ozark moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ozark and its comparisons
Measure
Ozark
Dale County
Alabama
United States
Rental vacancy
Unreliable estimate
8.2%
7.2%
5.5%
Homeowner vacancy
Unreliable estimate
1.5%
1.1%
0.9%
More than one person per room
Unreliable estimate
1.5%
1.7%
3.4%
People per household
2.42
2.47
2.48
2.53
Drive alone
82%
81%
81%
69%
Carpool
11%
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
2%
1%
3%
Work from home
Unreliable estimate
5%
9%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
A household in Ozark has 2.42 people on average, about the same as in Dale County (2.47).
In Ozark, 82% of workers drive alone to work; in Dale County, 81%.
Do the math
What would you pay each month for a home in Ozark?
A typical home is tight for the typical income
We start with a typical home in Ozark, worth $148,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Ozark, which is $48,944 a year. For that payment to be 28% of income, a household would need to earn about $49,843 a year.
The calculator's FHA and conventional loan limits are those of all of Dale 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 Ozark. 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 $5,212 (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
$1,163
at 7.18% · 30 years
Loan amount
$146,203
Total interest
$210,351
Paid off in
November 2056
Includes $2,515 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,142 a month
Tight
$1,142 to $1,468 a month
Your payment · 29%
Hard
more than $1,468 a month
Compared with the typical household income in Ozark ($48,944 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$990
Property tax
$45
Home insurance
$62
FHA mortgage insurance (MIP)
$66
You need at least $5,212 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 $1,163; principal and interest $990.
The city and its county
Ozark and Dale County
Ozark is in Dale 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).
Ozark
Map of Dale County, Alabama, with Ozark marked. Around it, the neighboring counties.
Ozark
Dale County
Other cities with a page
Ozark's own numbers
Typical home value
$148,900
Typical monthly rent
$694
Typical yearly household income
$48,944
Households that own their home
65%
Effective property tax rate
0.36%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Dale 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)
+46%
Homes in a high flood-risk zone
0.6%
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 Dale County.
A typical home in Ozark is worth $148,900: 4% above the county and 29% below Alabama. With the typical household income in Ozark ($48,944 a year), a typical home costs 3.0 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.
Ozark3.0 years
Dale2.6 years
Alabama3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Dale County
According to FHFA’s house price index, home prices in Dale County rose 51% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Dale County.
Yearly change in FHFA’s price index in Dale County, 2016 to 2025
2016: −6.0% −6.0% 2016
2017: +3.5% +3.5% 2017
2018: +4.8% +4.8% 2018
2019: +2.1% +2.1% 2019
2020: −0.0% −0.0% 2020
2021: +6.8% +6.8% 2021
2022: +17.0% +17.0% 2022
2023: +9.2% +9.2% 2023
2024: +9.7% +9.7% 2024
2025: −2.7% −2.7% 2025
Change in FHFA’s price index in Dale County, Alabama and the United States
Period
County
Alabama
U.S.
Last year (2025)
−2.7%
+2.5%
+2.9%
5 years (2020–2025)
+46%
+47%
+47%
10 years (2015–2025)
+51%
+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
Ozark next to Dale 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
Ozark$148,900
Dale$143,500
Alabama$209,900
United States$332,700
Typical monthly rent
Ozark$694
Dale$889
Alabama$1,007
United States$1,413
Typical yearly household income
Ozark$48,944
Dale$54,963
Alabama$63,999
United States$80,734
See the full table
Ozark next to Dale County and Alabama
Measure
Ozark
Dale County
Alabama
U.S.
Typical home value
$148,900 ▲4% above the county
$143,500
$209,900
$332,700
Typical monthly rent
$694 ▼22% below the county
$889
$1,007
$1,413
Typical yearly household income
$48,944 ▼11% below the county
$54,963
$63,999
$80,734
Households that own their home
65% ▲3 points above the county
62%
70%
65%
Typical yearly property tax
$539 ▲18% above the county
$457
$788
$3,119
Effective property tax rate
0.36% ▲0.04 points above the county
0.32%
0.38%
0.94%
Renters with high rent for their income
55% ▲15 points above the county
40%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Dale 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 Ozark
For a typical $148,900 home in Ozark, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ozark's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,163a month
Least cash to close
Down payment
$5,212
Cash to close
$9,679
Rate
7.18%
Mortgage insurance
FHA MIP · $66
Conventional, 5% down$1,136a month
Down payment
$7,445
Cash to close
$11,912
Rate
7.18%
Mortgage insurance
PMI · $71
Conventional, 20% down, no PMI$914a month
Down payment
$29,780
Cash to close
$34,247
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,051a month
Down payment
$22,335
Cash to close
$26,802
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ozark
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,163
$5,212
$146,203
7.18%
FHA MIP · $66
$9,679
580
Conventional, 5% down
$1,136
$7,445
$141,455
7.18%
PMI · $71
$11,912
620*
Conventional, 20% down, no PMI
$914
$29,780
$119,120
7.18%
None
$34,247
620*
ITIN, 15% down (example)
$1,051
$22,335
$126,565
8.18%
None
$26,802
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 Ozark is $694 a month: 22% below the county. In Ozark, 55% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Dale 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Dale County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$665
$12.79
$26,600
1 bedroom
$844
$16.23
$33,760
2 bedrooms
$921
$17.71
$36,840
3 bedrooms
$1,275
$24.52
$51,000
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 Ozark
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ozark is in ZIP code 36360.
For 2 bedrooms it is $920: $1 less than the fair market rent for Dale County ($921).
Fair market rent by ZIP code and size in Ozark, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
36360
$670
$840
$920
$1,280
$1,540
ZIP code2 bd3 bd
36360 $920$1,280
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ozark 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 7 buildings with rents for lower incomes in Ozark. These are the largest.
Herring/Hillcrest Homes121 Stokes Ave, Ozark 36360232 homes, 226 low-income · Run by Housing Authority of the City of Ozark · Homes at several sites(334) 774-8210
Ozark Ha224 Ross Dr, Ozark 36360167 homes, 166 low-income · Run by Housing Authority of the City of Ozark · Homes at several sites(334) 774-8210
Avon Square Townhomes494 Stratford Dr, Ozark 3636056 low-income homes · 2 bd: 47 · 3 bd: 9 · In service since 2013 · For families
Fuqua-Walding Apartments II1525 Mixon School Rd, Ozark 3636036 low-income homes · For older adults(334) 774-3222
Ozark Manor1515 Mixon School Rd, Ozark 3636025 low-income homes · For older adults(334) 774-2801
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 Dale 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 Ozark or Dale County. The ones below are statewide in Alabama: they work in Ozark 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 Ozark or Dale 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 Ozark and all of Dale 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 Ozark?
The typical home value in Ozark is $148,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dale County it is $143,500.
How much does it cost to rent in Ozark?
Typical rent in Ozark is $694 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dale County is $921.
What is the FHA loan limit in Ozark?
Ozark uses the FHA limit for all of Dale 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 Ozark?
The typical homeowner in Ozark pays $539 a year, according to the U.S. Census Bureau. That is 0.36% of the home’s value; in Dale County, the rate is 0.32%.
Where can I find free help to buy or rent in Ozark?
We found no HUD-approved counseling agencies with an office in Dale County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
