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City · 6,822 residents · Mobile County, Alabama

Satsuma , Alabama

In Satsuma, a typical home is worth $219,400 and typical rent is $1,300 a month. Compared with all of Mobile County, typical household income is 72% higher, typical rent is 24% higher, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $219,400

    15% above the county

    5% above Alabama

    • Satsuma
    • Mobile
    • Alabama

  • Typical rent

    $1,300a month

    24% above the county

    29% above Alabama

    • Satsuma
    • Mobile
    • Alabama

  • Typical household income

    $101,042a year

    72% above the county

    58% above Alabama

    • Satsuma
    • Mobile
    • Alabama

  • Households that own their home

    86%

    20 points above the county

    16 points above Alabama

    • Satsuma
    • Mobile
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$243,488
3% more than 12 months ago

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

Satsuma 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Satsuma apart

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

  1. The typical household income in Satsuma is $101,042, 72% more than in Mobile County as a whole ($58,880).

  2. Nearby, in Prichard, the typical home value is $85,700: 61% less than in Satsuma ($219,400).

  3. 86% of households in Satsuma own their home, against 66% in Mobile County.

  4. Nearby, in Prichard, the typical rent is $922: 29% less than in Satsuma ($1,300).

  5. The typical rent in Satsuma is $1,300 a month, 24% more than in Mobile County as a whole ($1,052).

  6. The typical home in Satsuma is worth $219,400, 15% more than in Mobile County as a whole ($190,700).

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

The homes here

Housing in Satsuma

What homes there are in Satsuma, 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 Satsuma, 10 in 10 homes are single-family detached houses; in Mobile County, 7.

Year built

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

$1,401 a month

Mobile County: $1,404 a month

Without a mortgage

$463 a month

Mobile County: $457 a month

Owners with a mortgage

60%

Mobile County: 58%

Owning costs about the same in Satsuma as in Mobile County: with a mortgage, $1,401 a month; without one, $463.

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 Satsuma gained value more slowly than in Mobile County: 41% since 2015–2019, against 47%.

The typical rent in Satsuma rose 47% over the same time; in Mobile County, it rose 23%.

Here income gained ground: typical income rose 57%, against +41% for home values and +47% for rent.

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

MeasureSatsumaMobile CountyAlabamaUnited States
Rental vacancy Unreliable estimate5.0%7.2%5.5%
Homeowner vacancy Unreliable estimate1.1%1.1%0.9%
More than one person per room Unreliable estimate1.6%1.7%3.4%
People per household 2.702.502.482.53
Drive alone 88%83%81%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate0%0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 7%8%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Satsuma are bigger: 2.70 people on average; in Mobile County, 2.50.

The car rules in Satsuma: 88% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Satsuma?

A typical home is within reach of the typical income

We start with a typical home in Satsuma, worth $219,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 21% of the typical household income in Satsuma, which is $101,042 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Satsuma. 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 $7,679 (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

$1,726

at 7.18% · 30 years

Loan amount
$215,426
Total interest
$309,948
Paid off in
November 2056

Includes $3,705 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,358 a month

    Your payment · 21%

  • Tight

    $2,358 to $3,031 a month

  • Hard

    more than $3,031 a month

Compared with the typical household income in Satsuma ($101,042 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,726
Principal & interest$1,459
Property tax$79
Home insurance$91
FHA mortgage insurance (MIP)$97

You need at least $7,679 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

Satsuma and Mobile County

Satsuma 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).

Satsuma's own numbers

Typical home value
$219,400
Typical monthly rent
$1,300
Typical yearly household income
$101,042
Households that own their home
86%
Effective property tax rate
0.43%

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.

Everything about Mobile County

Buying

Buying a home in Satsuma

A typical home in Satsuma is worth $219,400: 15% above the county and 5% above Alabama. With the typical household income in Satsuma ($101,042 a year), a typical home costs 2.2 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.

  • Satsuma 2.2 years
  • Mobile 3.2 years
  • Alabama 3.3 years
  • United States 4.1 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.

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

Satsuma 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
  • Satsuma $219,400
  • Mobile $190,700
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Satsuma $1,300
  • Mobile $1,052
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Satsuma $101,042
  • Mobile $58,880
  • Alabama $63,999
  • United States $80,734
See the full table
Satsuma next to Mobile County and Alabama
Measure Satsuma Mobile County Alabama U.S.
Typical home value $219,400 $190,700 $209,900 $332,700
Typical monthly rent $1,300 $1,052 $1,007 $1,413
Typical yearly household income $101,042 $58,880 $63,999 $80,734
Households that own their home 86% 66% 70% 65%
Typical yearly property tax $952 $888 $788 $3,119
Effective property tax rate 0.43% 0.47% 0.38% 0.94%

“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 Satsuma

For a typical $219,400 home in Satsuma, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Satsuma's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,726a month

    Least cash to close
    Down payment
    $7,679
    Cash to close
    $14,261
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $97

  • Conventional, 5% down $1,686a month

    Down payment
    $10,970
    Cash to close
    $17,552
    Rate
    7.18%
    Mortgage insurance
    PMI · $104

  • Conventional, 20% down, no PMI $1,359a month

    Down payment
    $43,880
    Cash to close
    $50,462
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,562a month

    Down payment
    $32,910
    Cash to close
    $39,492
    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 Satsuma and for Mobile County.

Property tax

Effective rate in Satsuma

0.43%of the home’s value each year

$952 a year for the typical owner in Satsuma.

  • Satsuma 0.43%
  • Mobile 0.47%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Mobile County

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

Homes in the high-risk zone
6.3%
9,472
Of those, with NFIP insurance
45%
County Alabama U.S.
Homes in the high-risk zone 6.3% 3.2% 3.5%
Of those, with NFIP insurance 45% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Satsuma

Typical rent in Satsuma is $1,300 a month: 24% above the county.

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.

HUD fair market rent for all of Mobile 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 $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 Satsuma

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Satsuma is in ZIP code 36572.

For 2 bedrooms it is $1,380: $241 more than the fair market rent for Mobile County ($1,139).

  • 36572 $1,380$1,790

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

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.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Satsuma

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

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

  • Center for Fair Housing

    602 Bel Air Blvd, Mobile · 13 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 · 15 miles away · Spanish

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

  • CCCS of Mobile

    705 Oak Circle Dr E, Mobile · 15 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (251) 602-0011

Every agency in Mobile County All counseling agencies in Alabama

Help in Spanish near Satsuma

1 of the 3 agencies on this list says it serves 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 Satsuma

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

  • Mobile County Housing Authority Public housing and Section 8 vouchers (251) 866-9696

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

Cities

Other cities in Mobile County

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

Everything about Mobile County Housing in Alabama

Nearby cities

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

Neighboring counties

If Mobile 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 Satsuma.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Satsuma

Short answers with the numbers for Satsuma 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 Satsuma?

The typical home value in Satsuma is $219,400, 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 Satsuma?

Typical rent in Satsuma is $1,300 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 Satsuma?

Satsuma 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 Satsuma?

The typical homeowner in Satsuma pays $952 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in Mobile County, the rate is 0.47%.

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

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.

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).