In Semmes, a typical home is worth $215,600 and typical rent is $1,057 a month. Compared with all of Mobile County, the typical home value is 13% higher and typical household income is 13% higher.
Typical home value from Zillow, September 2021 to September 2026: from $198,971 to $238,964.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Semmes 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: 60% less than in Semmes ($215,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Semmes
What homes there are in Semmes, 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
Semmes
Mobile County
Alabama
United States
Kind of home: Semmes and its comparisons
Measure
Semmes
Mobile County
Alabama
United States
Detached house
80%
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 80% of homes here, against 73% in Mobile County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Semmes
Mobile County
Alabama
United States
Year built: Semmes and its comparisons
Measure
Semmes
Mobile County
Alabama
United States
Before 1960
Unreliable estimate
19%
16%
26%
1960–1979
24%
32%
26%
24%
1980–1999
35%
28%
29%
25%
2000–2009
20%
13%
15%
14%
2010 or later
16%
9%
13%
11%
Here half of the homes date from 1993 or later; in Mobile County, from 1980 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K27%
$200K–$300K32%
$300K–$500K22%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Semmes and its comparisons
Measure
Semmes
Under $100K
Unreliable estimate
$100K–$200K
27%
$200K–$300K
32%
$300K–$500K
22%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Semmes and its comparisons
Measure
Semmes
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,403 a month
Mobile County: $1,404 a month
Without a mortgage
$399 a month
Mobile County: $457 a month
Owners with a mortgage
70%
Mobile County: 58%
The typical cost for an owner with a mortgage in Semmes is $1,403 a month, near the figure in Mobile County ($1,404).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Semmes+43%
Mobile County+47%
Alabama+47%
United States+53%
Typical rent
SemmesUnreliable
Mobile County+23%
Alabama+27%
United States+33%
Typical household income
Semmes+35%
Mobile County+24%
Alabama+27%
United States+29%
Change since 2015–2019: Semmes and its comparisons
Measure
Semmes
Mobile County
Alabama
United States
Typical home value
+43%
+47%
+47%
+53%
Typical rent
Unreliable estimate
+23%
+27%
+33%
Typical household income
+35%
+24%
+27%
+29%
The typical home value in Semmes rose 43% since 2015–2019, less than in Mobile County (47%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Semmes and its comparisons
Measure
Semmes
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
2.44
2.50
2.48
2.53
Drive alone
82%
83%
81%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
0%
0%
3%
Walk or bike
Unreliable estimate
1%
1%
3%
Work from home
Unreliable estimate
8%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Semmes has 2.44 people on average, about the same as in Mobile County (2.50).
In Semmes, 82% of workers drive alone to work; in Mobile County, 83%.
Do the math
What would you pay each month for a home in Semmes?
A typical home is tight for the typical income
We start with a typical home in Semmes, worth $215,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Semmes, which is $66,417 a year. For that payment to be 28% of income, a household would need to earn about $72,401 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 Semmes. 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 $7,546 (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
$1,689
at 7.18% · 30 years
Loan amount
$211,695
Total interest
$304,579
Paid off in
November 2056
Includes $3,641 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,550 a month
Tight
$1,550 to $1,993 a month
Your payment · 31%
Hard
more than $1,993 a month
Compared with the typical household income in Semmes ($66,417 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,434
Property tax
$70
Home insurance
$90
FHA mortgage insurance (MIP)
$95
You need at least $7,546 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 $1,689; principal and interest $1,434.
The city and its county
Semmes and Mobile County
Semmes 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).
Semmes
Map of Mobile County, Alabama, with Semmes marked. Around it, the neighboring counties.
Semmes
Mobile County
Other cities with a page
Semmes's own numbers
Typical home value
$215,600
Typical monthly rent
$1,057
Typical yearly household income
$66,417
Households that own their home
70%
Effective property tax rate
0.39%
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 Semmes is worth $215,600: 13% above the county and 3% above Alabama. With the typical household income in Semmes ($66,417 a year), a typical home costs 3.2 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.
Semmes3.2 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
Semmes 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
Semmes$215,600
Mobile$190,700
Alabama$209,900
United States$332,700
Typical monthly rent
Semmes$1,057
Mobile$1,052
Alabama$1,007
United States$1,413
Typical yearly household income
Semmes$66,417
Mobile$58,880
Alabama$63,999
United States$80,734
See the full table
Semmes next to Mobile County and Alabama
Measure
Semmes
Mobile County
Alabama
U.S.
Typical home value
$215,600 ▲13% above the county
$190,700
$209,900
$332,700
Typical monthly rent
$1,057
$1,052
$1,007
$1,413
Typical yearly household income
$66,417 ▲13% above the county
$58,880
$63,999
$80,734
Households that own their home
70% ▲4 points above the county
66%
70%
65%
Typical yearly property tax
$845 ▼5% below the county
$888
$788
$3,119
Effective property tax rate
0.39% ▼0.08 points below the county
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 Semmes
For a typical $215,600 home in Semmes, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Semmes's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,689a month
Least cash to close
Down payment
$7,546
Cash to close
$14,014
Rate
7.18%
Mortgage insurance
FHA MIP · $95
Conventional, 5% down$1,650a month
Down payment
$10,780
Cash to close
$17,248
Rate
7.18%
Mortgage insurance
PMI · $102
Conventional, 20% down, no PMI$1,328a month
Down payment
$43,120
Cash to close
$49,588
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,528a month
Down payment
$32,340
Cash to close
$38,808
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Semmes
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,689
$7,546
$211,695
7.18%
FHA MIP · $95
$14,014
580
Conventional, 5% down
$1,650
$10,780
$204,820
7.18%
PMI · $102
$17,248
620*
Conventional, 20% down, no PMI
$1,328
$43,120
$172,480
7.18%
None
$49,588
620*
ITIN, 15% down (example)
$1,528
$32,340
$183,260
8.18%
None
$38,808
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 Semmes is $1,057 a month: about the same as 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.
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 Semmes
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Semmes has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,210 in 36575 to $1,320 in 36613.
2 of the 2 are above the fair market rent for Mobile County ($1,139).
Fair market rent by ZIP code and size in Semmes, fiscal year 2027.
36575
$1,000
$1,040
$1,210
$1,570
$1,660
36613
$1,090
$1,140
$1,320
$1,710
$1,810
ZIP code2 bd3 bd
36575 $1,210$1,570
36613 $1,320$1,710
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Semmes 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 3 buildings with rents for lower incomes in Semmes. These are the largest.
Candice Cove7745 Salem Rd, Semmes 3657572 low-income homes · 1 bd: 8 · 2 bd: 32 · 3 bd: 32 · In service since 2006 · For people with disabilities, families
AHEPA 310-X Apartments9180 Hellenic Way, Semmes 3657564 low-income homes · For older adults(251) 645-2405
Baytown Senior Village9028 Moffett Rd, Semmes 3657548 low-income homes · 1 bd: 24 · 2 bd: 24 · In service since 2015 · For older adults
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 Semmes or Mobile County. The ones below are statewide in Alabama: they work in Semmes 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 Semmes 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 Semmes 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 Semmes?
The typical home value in Semmes is $215,600, 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 Semmes?
Typical rent in Semmes is $1,057 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 Semmes?
Semmes 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 Semmes?
The typical homeowner in Semmes pays $845 a year, according to the U.S. Census Bureau. That is 0.39% of the home’s value; in Mobile County, the rate is 0.47%.
Where can I find free help to buy or rent in Semmes?
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.
