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City · 10,681 residents · Calhoun County, Alabama

Saks , Alabama

In Saks, a typical home is worth $116,400 and typical rent is $898 a month. Compared with all of Calhoun County, the typical home value is 26% lower and typical household income is 10% lower.

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  • Typical home value

    $116,400

    26% below the county

    45% below Alabama

    • Saks
    • Calhoun
    • Alabama

  • Typical rent

    $898a month

    9% above the county

    11% below Alabama

    • Saks
    • Calhoun
    • Alabama

  • Typical household income

    $49,753a year

    10% below the county

    22% below Alabama

    • Saks
    • Calhoun
    • Alabama

  • Households that own their home

    72%

    2 points above the county

    2 points above Alabama

    • Saks
    • Calhoun
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$141,982
4.3% more than 12 months ago

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

Saks is in Calhoun 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 Calhoun County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Saks apart

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

  1. The typical home in Saks is worth $116,400, 26% less than in Calhoun County as a whole ($156,600).

  2. Nearby, in Glencoe, the typical rent is $736: 18% less than in Saks ($898).

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

The homes here

Housing in Saks

What homes there are in Saks, 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 83% of homes here, against 71% in Calhoun County.

Year built

In Saks, half of the homes were built before 1974; in Calhoun 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

With a mortgage

$1,023 a month

Calhoun County: $1,210 a month

Without a mortgage

$337 a month

Calhoun County: $407 a month

Owners with a mortgage

60%

Calhoun County: 49%

Owning costs less in Saks: with a mortgage, the typical cost is $1,023 a month; in Calhoun County, $1,210. Without one, $337.

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 Saks rose 19%; in Calhoun County, it rose 33%.

Since 2015–2019, the typical rent in Saks rose 32%, more than in Calhoun County (15%).

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

MeasureSaksCalhoun CountyAlabamaUnited States
Rental vacancy Unreliable estimate5.3%7.2%5.5%
Homeowner vacancy Unreliable estimate1.3%1.1%0.9%
More than one person per room Unreliable estimate1.5%1.7%3.4%
People per household 2.532.482.482.53
Drive alone 88%85%81%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home Unreliable estimate6%9%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Saks look like those in Calhoun County: 2.53 people on average.

To get to work, 88% of workers in Saks drive alone; in Calhoun 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 Saks?

A typical home is within reach of the typical income

We start with a typical home in Saks, worth $116,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Saks, which is $49,753 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Saks. 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 $4,074 (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

$922

at 7.18% · 30 years

Loan amount
$114,292
Total interest
$164,439
Paid off in
November 2056

Includes $1,966 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,161 a month

    Your payment · 22%

  • Tight

    $1,161 to $1,493 a month

  • Hard

    more than $1,493 a month

Compared with the typical household income in Saks ($49,753 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$922
Principal & interest$774
Property tax$48
Home insurance$49
FHA mortgage insurance (MIP)$51

You need at least $4,074 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

Saks and Calhoun County

Saks is in Calhoun 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).

Saks's own numbers

Typical home value
$116,400
Typical monthly rent
$898
Typical yearly household income
$49,753
Households that own their home
72%
Effective property tax rate
0.49%

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

Numbers for all of Calhoun County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,010
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
3.4%

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 Calhoun County.

Everything about Calhoun County

Buying

Buying a home in Saks

A typical home in Saks is worth $116,400: 26% below the county and 45% below Alabama. With the typical household income in Saks ($49,753 a year), a typical home costs 2.3 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.

  • Saks 2.3 years
  • Calhoun 2.8 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Calhoun County

According to FHFA’s house price index, home prices in Calhoun County rose 77% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) +4.4% +2.5% +2.9%
5 years (2020–2025) +50% +47% +47%
10 years (2015–2025) +77% +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

Saks next to Calhoun 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
  • Saks $116,400
  • Calhoun $156,600
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Saks $898
  • Calhoun $826
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Saks $49,753
  • Calhoun $55,029
  • Alabama $63,999
  • United States $80,734
See the full table
Saks next to Calhoun County and Alabama
Measure Saks Calhoun County Alabama U.S.
Typical home value $116,400 $156,600 $209,900 $332,700
Typical monthly rent $898 $826 $1,007 $1,413
Typical yearly household income $49,753 $55,029 $63,999 $80,734
Households that own their home 72% 70% 70% 65%
Typical yearly property tax $565 $653 $788 $3,119
Effective property tax rate 0.49% 0.42% 0.38% 0.94%

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

For a typical $116,400 home in Saks, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Saks's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $922a month

    Least cash to close
    Down payment
    $4,074
    Cash to close
    $7,566
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $51

  • Conventional, 5% down $900a month

    Down payment
    $5,820
    Cash to close
    $9,312
    Rate
    7.18%
    Mortgage insurance
    PMI · $55

  • Conventional, 20% down, no PMI $727a month

    Down payment
    $23,280
    Cash to close
    $26,772
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $834a month

    Down payment
    $17,460
    Cash to close
    $20,952
    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 Saks and for Calhoun County.

Property tax

Effective rate in Saks

0.49%of the home’s value each year

$565 a year for the typical owner in Saks.

  • Saks 0.49%
  • Calhoun 0.42%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Calhoun County

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

Homes in the high-risk zone
3.4%
1,566
Of those, with NFIP insurance
16%
County Alabama U.S.
Homes in the high-risk zone 3.4% 3.2% 3.5%
Of those, with NFIP insurance 16% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Saks

Typical rent in Saks is $898 a month: 9% above the county.

HUD publishes a fair market rent for all of Calhoun County, by unit size. To pay the 2-bedroom one ($1,010 a month) without spending more than 30% of your income, you would need to earn $19.42 an hour working full time.

HUD fair market rent for all of Calhoun 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 $796 $15.31 $31,840
1 bedroom $801 $15.40 $32,040
2 bedrooms $1,010 $19.42 $40,400
3 bedrooms $1,337 $25.71 $53,480
4 bedrooms $1,341 $25.79 $53,640

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 Saks

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

For 2 bedrooms it runs from $920 in 36201 to $1,050 in 36206.

1 of the 2 is above the fair market rent for Calhoun County ($1,010).

  • 36201 $920$1,220
  • 36206 $1,050$1,390

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

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Saks

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

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

  • Community Action Agency of Northeast Alabama, Inc.

    1481 McCurdy Ave S, Rainsville · 53 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (256) 638-4430

  • United Way of Central Alabama, Inc.

    3600 8th Ave S, Birmingham · 55 miles away

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

  • Operation Hope- Birmingham Al

    2100 Park Pl, Birmingham · 56 miles away

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

All counseling agencies in Alabama

Help in Spanish near Saks

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 Saks

In HUD’s record, no housing authority with an office in Calhoun County is named for Saks or Calhoun County.

4 other authorities have an office in Calhoun County: see the list Source: HUD

Cities

Other cities in Calhoun County

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

Everything about Calhoun County Housing in Alabama

Nearby cities

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

Neighboring counties

If Calhoun 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 Saks.

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

Questions

Housing questions about Saks

Short answers with the numbers for Saks and all of Calhoun 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 Saks?

The typical home value in Saks is $116,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Calhoun County it is $156,600.

How much does it cost to rent in Saks?

Typical rent in Saks is $898 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Calhoun County is $1,010.

What is the FHA loan limit in Saks?

Saks uses the FHA limit for all of Calhoun 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 Saks?

The typical homeowner in Saks pays $565 a year, according to the U.S. Census Bureau. That is 0.49% of the home’s value; in Calhoun County, the rate is 0.42%.

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

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