In Saraland, a typical home is worth $217,600 and typical rent is $1,060 a month. Compared with all of Mobile County, the typical home value is 14% higher and the share of households that own their home is 13 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $194,891 to $239,416.
Typical rent
$1,404a month
Typical rent from Zillow, March 2026 to September 2026: from $1,346 to $1,404.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Saraland is in Mobile 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 Mobile County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Prichard, the typical home value is $85,700: 61% less than in Saraland ($217,600).
2
Saraland has the 3rd largest share of rent-burdened renters of the 101 cities in Alabama with more than 5,000 people (65%).
3
79% of households in Saraland own their home, against 66% in Mobile County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Saraland
What homes there are in Saraland, 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
Saraland
Mobile County
Alabama
United States
Kind of home: Saraland and its comparisons
Measure
Saraland
Mobile County
Alabama
United States
Detached house
84%
73%
69%
61%
Attached house
Unreliable estimate
1%
2%
6%
Building of 2 to 4
Unreliable estimate
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
15%
12%
19%
Mobile home
Unreliable estimate
7%
12%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 84% of homes here, against 73% in Mobile County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Saraland
Mobile County
Alabama
United States
Year built: Saraland and its comparisons
Measure
Saraland
Mobile County
Alabama
United States
Before 1960
11%
19%
16%
26%
1960–1979
39%
32%
26%
24%
1980–1999
22%
28%
29%
25%
2000–2009
15%
13%
15%
14%
2010 or later
14%
9%
13%
11%
The typical year built in Saraland is 1981, about the same as in Mobile County (1980).
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 $100K8%
$100K–$200K34%
$200K–$300K39%
$300K–$500K17%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Saraland and its comparisons
Measure
Saraland
Under $100K
8%
$100K–$200K
34%
$200K–$300K
39%
$300K–$500K
17%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
At least 97% of owner-occupied homes in Saraland are worth less than $500,000, below the FHA loan limit for Mobile County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49944%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Saraland and its comparisons
Measure
Saraland
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
44%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,425 a month
Mobile County: $1,404 a month
Without a mortgage
$435 a month
Mobile County: $457 a month
Owners with a mortgage
62%
Mobile County: 58%
Owning costs about the same in Saraland as in Mobile County: with a mortgage, $1,425 a month; without one, $435.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Saraland+46%
Mobile County+47%
Alabama+47%
United States+53%
Typical rent
Saraland+21%
Mobile County+23%
Alabama+27%
United States+33%
Typical household income
SaralandNo clear change
Mobile County+24%
Alabama+27%
United States+29%
Change since 2015–2019: Saraland and its comparisons
Measure
Saraland
Mobile County
Alabama
United States
Typical home value
+46%
+47%
+47%
+53%
Typical rent
+21%
+23%
+27%
+33%
Typical household income
No clear change
+24%
+27%
+29%
Much as in Mobile County, the typical home value in Saraland rose 46% since 2015–2019.
Much as in Mobile County, the typical rent in Saraland rose 21% since 2015–2019.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Saraland and its comparisons
Measure
Saraland
Mobile County
Alabama
United States
Rental vacancy
Unreliable estimate
5.0%
7.2%
5.5%
Homeowner vacancy
Unreliable estimate
1.1%
1.1%
0.9%
More than one person per room
Unreliable estimate
1.6%
1.7%
3.4%
People per household
2.40
2.50
2.48
2.53
Drive alone
89%
83%
81%
69%
Carpool
5%
7%
8%
9%
Public transit
Unreliable estimate
0%
0%
3%
Walk or bike
Unreliable estimate
1%
1%
3%
Work from home
5%
8%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Mobile County, a household in Saraland has 2.40 people on average.
In Saraland, 89% of workers drive alone to work; in Mobile County, 83%.
Do the math
What would you pay each month for a home in Saraland?
A typical home is tight for the typical income
We start with a typical home in Saraland, worth $217,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Saraland, which is $61,509 a year. For that payment to be 28% of income, a household would need to earn about $73,539 a year.
The calculator's FHA and conventional loan limits are those of all of Mobile 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 Saraland. 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 $7,616 (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
$1,716
at 7.18% · 30 years
Loan amount
$213,659
Total interest
$307,405
Paid off in
November 2056
Includes $3,675 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,435 a month
Tight
$1,435 to $1,845 a month
Your payment · 33%
Hard
more than $1,845 a month
Compared with the typical household income in Saraland ($61,509 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,447
Property tax
$82
Home insurance
$91
FHA mortgage insurance (MIP)
$96
You need at least $7,616 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 $1,716; principal and interest $1,447.
The city and its county
Saraland and Mobile County
Saraland is in Mobile 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).
Saraland
Map of Mobile County, Alabama, with Saraland marked. Around it, the neighboring counties.
Saraland
Mobile County
Other cities with a page
Saraland's own numbers
Typical home value
$217,600
Typical monthly rent
$1,060
Typical yearly household income
$61,509
Households that own their home
79%
Effective property tax rate
0.45%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Mobile County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,139
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
6.3%
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 Mobile County.
A typical home in Saraland is worth $217,600: 14% above the county and 4% above Alabama. With the typical household income in Saraland ($61,509 a year), a typical home costs 3.5 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.
Saraland3.5 years
Mobile3.2 years
Alabama3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Mobile County
According to FHFA’s house price index, home prices in Mobile County rose 79% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Mobile County.
Yearly change in FHFA’s price index in Mobile County, 2016 to 2025
2016: +2.0% +2.0% 2016
2017: +3.3% +3.3% 2017
2018: +5.4% +5.4% 2018
2019: +4.6% +4.6% 2019
2020: +4.7% +4.7% 2020
2021: +12.8% +12.8% 2021
2022: +14.5% +14.5% 2022
2023: +8.8% +8.8% 2023
2024: +2.7% +2.7% 2024
2025: +2.2% +2.2% 2025
Change in FHFA’s price index in Mobile County, Alabama and the United States
Period
County
Alabama
U.S.
Last year (2025)
+2.2%
+2.5%
+2.9%
5 years (2020–2025)
+48%
+47%
+47%
10 years (2015–2025)
+79%
+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
Saraland next to Mobile 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
Saraland$217,600
Mobile$190,700
Alabama$209,900
United States$332,700
Typical monthly rent
Saraland$1,060
Mobile$1,052
Alabama$1,007
United States$1,413
Typical yearly household income
Saraland$61,509
Mobile$58,880
Alabama$63,999
United States$80,734
See the full table
Saraland next to Mobile County and Alabama
Measure
Saraland
Mobile County
Alabama
U.S.
Typical home value
$217,600 ▲14% above the county
$190,700
$209,900
$332,700
Typical monthly rent
$1,060
$1,052
$1,007
$1,413
Typical yearly household income
$61,509 ▲4% above the county
$58,880
$63,999
$80,734
Households that own their home
79% ▲13 points above the county
66%
70%
65%
Typical yearly property tax
$986 ▲11% above the county
$888
$788
$3,119
Effective property tax rate
0.45% ▼0.02 points below the county
0.47%
0.38%
0.94%
Renters with high rent for their income
65% ▲9 points above the county
56%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Mobile 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 Saraland
For a typical $217,600 home in Saraland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Saraland's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,716a month
Least cash to close
Down payment
$7,616
Cash to close
$14,144
Rate
7.18%
Mortgage insurance
FHA MIP · $96
Conventional, 5% down$1,676a month
Down payment
$10,880
Cash to close
$17,408
Rate
7.18%
Mortgage insurance
PMI · $103
Conventional, 20% down, no PMI$1,352a month
Down payment
$43,520
Cash to close
$50,048
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,553a month
Down payment
$32,640
Cash to close
$39,168
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Saraland
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,716
$7,616
$213,659
7.18%
FHA MIP · $96
$14,144
580
Conventional, 5% down
$1,676
$10,880
$206,720
7.18%
PMI · $103
$17,408
620*
Conventional, 20% down, no PMI
$1,352
$43,520
$174,080
7.18%
None
$50,048
620*
ITIN, 15% down (example)
$1,553
$32,640
$184,960
8.18%
None
$39,168
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 Saraland is $1,060 a month: about the same as the county. In Saraland, 65% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Mobile County, by unit size. To pay the 2-bedroom one ($1,139 a month) without spending more than 30% of your income, you would need to earn $21.90 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 Mobile County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$938
$18.04
$37,520
1 bedroom
$981
$18.87
$39,240
2 bedrooms
$1,139
$21.90
$45,560
3 bedrooms
$1,474
$28.35
$58,960
4 bedrooms
$1,565
$30.10
$62,600
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 Saraland
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Saraland is in ZIP code 36571.
For 2 bedrooms it is $1,140: $1 more than the fair market rent for Mobile County ($1,139).
Fair market rent by ZIP code and size in Saraland, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
36571
$940
$980
$1,140
$1,480
$1,570
ZIP code2 bd3 bd
36571 $1,140$1,480
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Saraland 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.
There are 3 HUD-approved agencies with an office in Mobile County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Saraland or Mobile County. The ones below are statewide in Alabama: they work in Saraland 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 Saraland or Mobile 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 Saraland and all of Mobile 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 Saraland?
The typical home value in Saraland is $217,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Mobile County it is $190,700.
How much does it cost to rent in Saraland?
Typical rent in Saraland is $1,060 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Mobile County is $1,139.
What is the FHA loan limit in Saraland?
Saraland uses the FHA limit for all of Mobile 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 Saraland?
The typical homeowner in Saraland pays $986 a year, according to the U.S. Census Bureau. That is 0.45% of the home’s value; in Mobile County, the rate is 0.47%.
Where can I find free help to buy or rent in Saraland?
There are 3 HUD-approved counseling agencies with an office in Mobile County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
