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City · 15,712 residents · Jackson County, Alabama

Scottsboro , Alabama

In Scottsboro, a typical home is worth $190,400 and typical rent is $830 a month. Compared with all of Jackson County, the typical home value is 19% higher, typical rent is 6% higher, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $190,400

    19% above the county

    9% below Alabama

    • Scottsboro
    • Jackson
    • Alabama

  • Typical rent

    $830a month

    6% above the county

    18% below Alabama

    • Scottsboro
    • Jackson
    • Alabama

  • Typical household income

    $53,929a year

    4% above the county

    16% below Alabama

    • Scottsboro
    • Jackson
    • Alabama

  • Households that own their home

    68%

    7 points below the county

    2 points below Alabama

    • Scottsboro
    • Jackson
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$212,354
1.1% more than 12 months ago

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

Scottsboro is in Jackson 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 Jackson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Scottsboro apart

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

  1. Nearby, in Rainsville, the typical rent is $519: 37% less than in Scottsboro ($830).

  2. Nearby, in Fort Payne, the typical home value is $157,000: 18% less than in Scottsboro ($190,400).

  3. The typical home in Scottsboro is worth $190,400, 19% more than in Jackson County as a whole ($159,500).

  4. 68% of households in Scottsboro own their home, against 75% in Jackson County.

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

The homes here

Housing in Scottsboro

What homes there are in Scottsboro, 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 75% of homes here, against 71% in Jackson County.

Year built

The typical home in Scottsboro was built in 1978, 7 years before the typical one in Jackson County.

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

At least 92% of owner-occupied homes in Scottsboro are worth less than $500,000, below the FHA loan limit for Jackson County ($541,287).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Jackson County is $921: about 65% of rents in Scottsboro are below it.

With a mortgage

$1,249 a month

Jackson County: $1,217 a month

Without a mortgage

$528 a month

Jackson County: $435 a month

Owners with a mortgage

47%

Jackson County: 41%

In Scottsboro, 47% of owners have a mortgage; their typical cost is $1,249 a month, about the same as in Jackson County.

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 Scottsboro rose 62%; in Jackson County, it rose 52%.

The typical rent in Scottsboro rose 39% over the same time; in Jackson County, it rose 32%.

Here income did not keep up with housing: it rose 26%, while home values changed +62% and rent +39%.

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

MeasureScottsboroJackson CountyAlabamaUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate1.7%1.7%3.4%
People per household 2.362.412.482.53
Drive alone 86%84%81%69%
Carpool Unreliable estimate10%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home 5%5%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Jackson County, a household in Scottsboro has 2.36 people on average.

To get to work, 86% of workers in Scottsboro drive alone; in Jackson County, 84%.

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 Scottsboro?

A typical home is tight for the typical income

We start with a typical home in Scottsboro, worth $190,400, 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 Scottsboro, which is $53,929 a year. For that payment to be 28% of income, a household would need to earn about $63,803 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Scottsboro. 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 $6,664 (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

$1,489

at 7.18% · 30 years

Loan amount
$186,951
Total interest
$268,979
Paid off in
November 2056

Includes $3,215 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,258 a month

  • Tight

    $1,258 to $1,618 a month

    Your payment · 33%

  • Hard

    more than $1,618 a month

Compared with the typical household income in Scottsboro ($53,929 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,489
Principal & interest$1,266
Property tax$59
Home insurance$79
FHA mortgage insurance (MIP)$84

You need at least $6,664 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

Scottsboro and Jackson County

Scottsboro is in Jackson 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).

Scottsboro's own numbers

Typical home value
$190,400
Typical monthly rent
$830
Typical yearly household income
$53,929
Households that own their home
68%
Effective property tax rate
0.37%

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

Numbers for all of Jackson 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)
+65%
Homes in a high flood-risk zone
3.8%

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 Jackson County.

Everything about Jackson County

Buying

Buying a home in Scottsboro

A typical home in Scottsboro is worth $190,400: 19% above the county and 9% below Alabama. With the typical household income in Scottsboro ($53,929 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.

  • Scottsboro 3.5 years
  • Jackson 3.1 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jackson County

According to FHFA’s house price index, home prices in Jackson County rose 91% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) +5.8% +2.5% +2.9%
5 years (2020–2025) +65% +47% +47%
10 years (2015–2025) +91% +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

Scottsboro next to Jackson 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
  • Scottsboro $190,400
  • Jackson $159,500
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Scottsboro $830
  • Jackson $780
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Scottsboro $53,929
  • Jackson $51,908
  • Alabama $63,999
  • United States $80,734
See the full table
Scottsboro next to Jackson County and Alabama
Measure Scottsboro Jackson County Alabama U.S.
Typical home value $190,400 $159,500 $209,900 $332,700
Typical monthly rent $830 $780 $1,007 $1,413
Typical yearly household income $53,929 $51,908 $63,999 $80,734
Households that own their home 68% 75% 70% 65%
Typical yearly property tax $704 $480 $788 $3,119
Effective property tax rate 0.37% 0.3% 0.38% 0.94%
Renters with high rent for their income 50% 45% 49% 51%

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

For a typical $190,400 home in Scottsboro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Scottsboro's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,489a month

    Least cash to close
    Down payment
    $6,664
    Cash to close
    $12,376
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $84

  • Conventional, 5% down $1,454a month

    Down payment
    $9,520
    Cash to close
    $15,232
    Rate
    7.18%
    Mortgage insurance
    PMI · $90

  • Conventional, 20% down, no PMI $1,170a month

    Down payment
    $38,080
    Cash to close
    $43,792
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,346a month

    Down payment
    $28,560
    Cash to close
    $34,272
    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 Scottsboro and for Jackson County.

Property tax

Effective rate in Scottsboro

0.37%of the home’s value each year

$704 a year for the typical owner in Scottsboro.

  • Scottsboro 0.37%
  • Jackson 0.3%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Jackson County

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

Homes in the high-risk zone
3.8%
895
Of those, with NFIP insurance
11%
County Alabama U.S.
Homes in the high-risk zone 3.8% 3.2% 3.5%
Of those, with NFIP insurance 11% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Scottsboro

Typical rent in Scottsboro is $830 a month: 6% above the county. In Scottsboro, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jackson 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.

HUD fair market rent for all of Jackson 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 $720 $13.85 $28,800
1 bedroom $728 $14.00 $29,120
2 bedrooms $921 $17.71 $36,840
3 bedrooms $1,236 $23.77 $49,440
4 bedrooms $1,453 $27.94 $58,120

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 Scottsboro

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

For 2 bedrooms it runs from $930 in 35768 to $950 in 35769.

2 of the 2 are above the fair market rent for Jackson County ($921).

  • 35768 $930$1,250
  • 35769 $950$1,280

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

Low-income apartments

Low-income apartments in Scottsboro

HUD lists 8 buildings with rents for lower incomes in Scottsboro. These are the largest.

  • Pleasant Hill Homes 429 Ridgewood Dr, Scottsboro 35768 150 low-income homes · For families (256) 259-6600
  • Austin Springs Apts 716 Windsor Dr, Scottsboro 35769 56 low-income homes · 1 bd: 12 · 2 bd: 30 · 3 bd: 14 · In service since 2001 · For families
  • Scottsboro East 86 Wall St, Scottsboro 35768 50 low-income homes · For families (256) 259-1205
  • Crawford Park 724 Snodgrass Rd, Scottsboro 35769 40 low-income homes · 2 bd: 40 · In service since 2006 · For older adults, people with disabilities
  • Park Village Apts 74 Sarah Betty Ln, Scottsboro 35769 36 low-income homes · 1 bd: 18 · 2 bd: 8 · 3 bd: 10 · In service since 1997 · For older adults, people with disabilities

See all 17 buildings in Jackson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Scottsboro

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

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Scottsboro

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

The HUD-approved agencies closest to the center of Scottsboro, 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 · 16 miles away

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

  • Family Services Center, Inc.

    520 Madison St SE, Huntsville · 31 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (256) 551-1610

  • Community Action Partnership, Huntsville/Madison & Limestone Counties, Inc

    3516 Stringfield Rd NW, Huntsville · 34 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (256) 851-9800

All counseling agencies in Alabama

Help in Spanish near Scottsboro

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 Scottsboro

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

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

Cities

Nearby cities

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

Everything about Jackson County Housing in Alabama

Neighboring counties

If Jackson 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 Scottsboro.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Scottsboro

Short answers with the numbers for Scottsboro and all of Jackson 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 Scottsboro?

The typical home value in Scottsboro is $190,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jackson County it is $159,500.

How much does it cost to rent in Scottsboro?

Typical rent in Scottsboro is $830 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jackson County is $921.

What is the FHA loan limit in Scottsboro?

Scottsboro uses the FHA limit for all of Jackson 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 Scottsboro?

The typical homeowner in Scottsboro pays $704 a year, according to the U.S. Census Bureau. That is 0.37% of the home’s value; in Jackson County, the rate is 0.3%.

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

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