In Smiths Station, a typical home is worth $203,300 and typical rent is $1,012 a month. Compared with all of Lee County, the typical home value is 22% lower and the share of households that own their home is 19 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $230,895 to $289,876.
Typical rent
$1,630a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Smiths Station is in Lee 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 Lee County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Lanett, the typical home value is $95,600: 53% less than in Smiths Station ($203,300).
2
85% of households in Smiths Station own their home, against 66% in Lee County.
3
The typical home in Smiths Station is worth $203,300,22% less than in Lee County as a whole ($262,200).
4
According to Zillow, in the 12 months to September 2026 the typical home value in Smiths Station rose 5%; in Alabama, it rose 1.9%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Smiths Station
What homes there are in Smiths Station, 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
Smiths Station
Lee County
Alabama
United States
Kind of home: Smiths Station and its comparisons
Measure
Smiths Station
Lee County
Alabama
United States
Detached house
74%
58%
69%
61%
Attached house
Unreliable estimate
5%
2%
6%
Building of 2 to 4
Unreliable estimate
6%
5%
8%
Apartments (5 or more)
Unreliable estimate
17%
12%
19%
Mobile home
24%
14%
12%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Smiths Station: 74% of homes, more than in Lee County (58%).
There are more mobile homes here than in Lee County: 24% of homes, against 14%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Smiths Station
Lee County
Alabama
United States
Year built: Smiths Station and its comparisons
Measure
Smiths Station
Lee County
Alabama
United States
Before 1960
7%
7%
16%
26%
1960–1979
27%
16%
26%
24%
1980–1999
47%
32%
29%
25%
2000–2009
9%
21%
15%
14%
2010 or later
10%
24%
13%
11%
The typical home in Smiths Station was built in 1989, 8 years before the typical one in Lee County.
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 $100K21%
$100K–$200K28%
$200K–$300K34%
$300K–$500K14%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Smiths Station and its comparisons
Measure
Smiths Station
Under $100K
21%
$100K–$200K
28%
$200K–$300K
34%
$300K–$500K
14%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
The FHA limit for Lee County is high ($541,287): at least 96% of owner-occupied homes in Smiths Station are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49949%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Smiths Station and its comparisons
Measure
Smiths Station
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
49%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,216 a month
Lee County: $1,529 a month
Without a mortgage
$362 a month
Lee County: $481 a month
Owners with a mortgage
63%
Lee County: 61%
The typical cost for an owner with a mortgage in Smiths Station is $1,216 a month, less than in Lee County ($1,529); without one, $362.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Smiths Station+35%
Lee County+55%
Alabama+47%
United States+53%
Typical rent
Smiths StationNo clear change
Lee County+24%
Alabama+27%
United States+33%
Typical household income
Smiths StationNo clear change
Lee County+28%
Alabama+27%
United States+29%
Change since 2015–2019: Smiths Station and its comparisons
Measure
Smiths Station
Lee County
Alabama
United States
Typical home value
+35%
+55%
+47%
+53%
Typical rent
No clear change
+24%
+27%
+33%
Typical household income
No clear change
+28%
+27%
+29%
The typical home value in Smiths Station rose 35% since 2015–2019, less than in Lee County (55%).
The typical rent in Smiths Station stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Smiths Station and its comparisons
Measure
Smiths Station
Lee County
Alabama
United States
Rental vacancy
Unreliable estimate
8.1%
7.2%
5.5%
Homeowner vacancy
Unreliable estimate
2.1%
1.1%
0.9%
More than one person per room
Unreliable estimate
2.0%
1.7%
3.4%
People per household
3.05
2.50
2.48
2.53
Drive alone
81%
79%
81%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
1%
0%
3%
Walk or bike
Unreliable estimate
3%
1%
3%
Work from home
Unreliable estimate
10%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Households in Smiths Station are bigger: 3.05 people on average; in Lee County, 2.50.
In Smiths Station, 81% of workers drive alone to work; in Lee County, 79%.
Do the math
What would you pay each month for a home in Smiths Station?
A typical home is tight for the typical income
We start with a typical home in Smiths Station, worth $203,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Smiths Station, which is $64,669 a year. For that payment to be 28% of income, a household would need to earn about $68,271 a year.
The calculator's FHA and conventional loan limits are those of all of Lee 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 Smiths Station. 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 $7,116 (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
$1,593
at 7.18% · 30 years
Loan amount
$199,617
Total interest
$287,202
Paid off in
November 2056
Includes $3,433 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,509 a month
Tight
$1,509 to $1,940 a month
Your payment · 30%
Hard
more than $1,940 a month
Compared with the typical household income in Smiths Station ($64,669 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,352
Property tax
$66
Home insurance
$85
FHA mortgage insurance (MIP)
$90
You need at least $7,116 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 $1,593; principal and interest $1,352.
The city and its county
Smiths Station and Lee County
Smiths Station is in Lee 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).
Smiths Station
Map of Lee County, Alabama, with Smiths Station marked. Around it, the neighboring counties.
Smiths Station
Lee County
Other cities with a page
Smiths Station's own numbers
Typical home value
$203,300
Typical monthly rent
$1,012
Typical yearly household income
$64,669
Households that own their home
85%
Effective property tax rate
0.39%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lee County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,277
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
1.9%
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 Lee County.
A typical home in Smiths Station is worth $203,300: 22% below the county and 3% below Alabama. With the typical household income in Smiths Station ($64,669 a year), a typical home costs 3.1 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.
Smiths Station3.1 years
Lee4.0 years
Alabama3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lee County
According to FHFA’s house price index, home prices in Lee County rose 87% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lee County.
Yearly change in FHFA’s price index in Lee County, 2016 to 2025
2016: +4.1% +4.1% 2016
2017: +5.1% +5.1% 2017
2018: +5.1% +5.1% 2018
2019: +4.9% +4.9% 2019
2020: +2.9% +2.9% 2020
2021: +10.0% +10.0% 2021
2022: +13.8% +13.8% 2022
2023: +10.8% +10.8% 2023
2024: +3.5% +3.5% 2024
2025: +4.7% +4.7% 2025
Change in FHFA’s price index in Lee County, Alabama and the United States
Period
County
Alabama
U.S.
Last year (2025)
+4.7%
+2.5%
+2.9%
5 years (2020–2025)
+50%
+47%
+47%
10 years (2015–2025)
+87%
+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
Smiths Station next to Lee 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
Smiths Station$203,300
Lee$262,200
Alabama$209,900
United States$332,700
Typical monthly rent
Smiths Station$1,012
Lee$1,058
Alabama$1,007
United States$1,413
Typical yearly household income
Smiths Station$64,669
Lee$65,824
Alabama$63,999
United States$80,734
See the full table
Smiths Station next to Lee County and Alabama
Measure
Smiths Station
Lee County
Alabama
U.S.
Typical home value
$203,300 ▼22% below the county
$262,200
$209,900
$332,700
Typical monthly rent
$1,012 ▼4% below the county
$1,058
$1,007
$1,413
Typical yearly household income
$64,669
$65,824
$63,999
$80,734
Households that own their home
85% ▲19 points above the county
66%
70%
65%
Typical yearly property tax
$796 ▼36% below the county
$1,252
$788
$3,119
Effective property tax rate
0.39% ▼0.09 points below the county
0.48%
0.38%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lee 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 Smiths Station
For a typical $203,300 home in Smiths Station, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Smiths Station's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,593a month
Least cash to close
Down payment
$7,116
Cash to close
$13,215
Rate
7.18%
Mortgage insurance
FHA MIP · $90
Conventional, 5% down$1,556a month
Down payment
$10,165
Cash to close
$16,264
Rate
7.18%
Mortgage insurance
PMI · $97
Conventional, 20% down, no PMI$1,253a month
Down payment
$40,660
Cash to close
$46,759
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,441a month
Down payment
$30,495
Cash to close
$36,594
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Smiths Station
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,593
$7,116
$199,618
7.18%
FHA MIP · $90
$13,215
580
Conventional, 5% down
$1,556
$10,165
$193,135
7.18%
PMI · $97
$16,264
620*
Conventional, 20% down, no PMI
$1,253
$40,660
$162,640
7.18%
None
$46,759
620*
ITIN, 15% down (example)
$1,441
$30,495
$172,805
8.18%
None
$36,594
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 Smiths Station is $1,012 a month: 4% below the county.
HUD publishes a fair market rent for all of Lee County, by unit size. To pay the 2-bedroom one ($1,277 a month) without spending more than 30% of your income, you would need to earn $24.56 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 Lee County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$891
$17.13
$35,640
1 bedroom
$1,167
$22.44
$46,680
2 bedrooms
$1,277
$24.56
$51,080
3 bedrooms
$1,548
$29.77
$61,920
4 bedrooms
$1,794
$34.50
$71,760
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 Smiths Station
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Smiths Station is in ZIP code 36877.
For 2 bedrooms it is $1,400: $123 more than the fair market rent for Lee County ($1,277).
Fair market rent by ZIP code and size in Smiths Station, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
36877
$980
$1,280
$1,400
$1,700
$1,970
ZIP code2 bd3 bd
36877 $1,400$1,700
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Smiths Station 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.
We found no HUD-approved agencies with an office in Lee County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Smiths Station or Lee County. The ones below are statewide in Alabama: they work in Smiths Station 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).
The HUD-approved agencies closest to the center of Smiths Station, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
LS
Legal Services Alabama Inc
2567 Fairlane Drive Suite 300, Montgomery · 68 miles away · Spanish
No legal help resource on our list is for Smiths Station or Lee 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 Smiths Station and all of Lee 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 Smiths Station?
The typical home value in Smiths Station is $203,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lee County it is $262,200.
How much does it cost to rent in Smiths Station?
Typical rent in Smiths Station is $1,012 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lee County is $1,277.
What is the FHA loan limit in Smiths Station?
Smiths Station uses the FHA limit for all of Lee 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 Smiths Station?
The typical homeowner in Smiths Station pays $796 a year, according to the U.S. Census Bureau. That is 0.39% of the home’s value; in Lee County, the rate is 0.48%.
Where can I find free help to buy or rent in Smiths Station?
We found no HUD-approved counseling agencies with an office in Lee County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
