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City · 10,662 residents · Baldwin County, Alabama

Spanish Fort , Alabama

In Spanish Fort, a typical home is worth $343,900 and typical rent is $1,390 a month. Compared with all of Baldwin County, typical household income is 26% higher, typical rent is 9% higher, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $343,900

    9% above the county

    64% above Alabama

    • Spanish Fort
    • Baldwin
    • Alabama

  • Typical rent

    $1,390a month

    9% above the county

    38% above Alabama

    • Spanish Fort
    • Baldwin
    • Alabama

  • Typical household income

    $99,346a year

    26% above the county

    55% above Alabama

    • Spanish Fort
    • Baldwin
    • Alabama

  • Households that own their home

    66%

    12 points below the county

    4 points below Alabama

    • Spanish Fort
    • Baldwin
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$384,908
1.1% more than 12 months ago
Typical rent
$1,612 a month
3.7% more than 12 months ago

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

Spanish Fort is in Baldwin 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 Baldwin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Spanish Fort apart

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

  1. Nearby, in Chickasaw, the typical home value is $117,500: 66% less than in Spanish Fort ($343,900).

  2. Nearby, in Bay Minette, the typical rent is $782: 44% less than in Spanish Fort ($1,390).

  3. The typical household income in Spanish Fort is $99,346, 26% more than in Baldwin County as a whole ($78,775).

  4. 66% of households in Spanish Fort own their home, against 78% in Baldwin County.

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

The homes here

Housing in Spanish Fort

What homes there are in Spanish Fort, 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

The detached house is the most common home in Spanish Fort: 67% of homes, near the figure in Baldwin County (65%).

Year built

By age, homes in Spanish Fort look like those in Baldwin County: the typical year built is 1999.

Homes in Spanish Fort are smaller: 66% have 3 bedrooms or more; in Baldwin County, 72%.

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

$1,603 a month

Baldwin County: $1,613 a month

Without a mortgage

$389 a month

Baldwin County: $474 a month

Owners with a mortgage

74%

Baldwin County: 59%

The typical cost for an owner with a mortgage in Spanish Fort is $1,603 a month, near the figure in Baldwin County ($1,613).

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

The typical home value in Spanish Fort rose 42% since 2015–2019, less than in Baldwin County (60%).

Rents in Spanish Fort rose more slowly than in Baldwin County: 19% since 2015–2019, against 25%.

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

MeasureSpanish FortBaldwin CountyAlabamaUnited States
Rental vacancy Unreliable estimate24.9%7.2%5.5%
Homeowner vacancy Unreliable estimate1.7%1.1%0.9%
More than one person per room Unreliable estimate1.6%1.7%3.4%
People per household 2.532.472.482.53
Drive alone 84%79%81%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 12%12%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Spanish Fort has 2.53 people on average, about the same as in Baldwin County (2.47).

The car rules in Spanish Fort: 84% 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 Spanish Fort?

A typical home is tight for the typical income

We start with a typical home in Spanish Fort, worth $343,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Spanish Fort, which is $99,346 a year. For that payment to be 28% of income, a household would need to earn about $114,012 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Spanish Fort. 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 $12,037 (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

$2,660

at 7.18% · 30 years

Loan amount
$337,671
Total interest
$485,829
Paid off in
November 2056

Includes $5,808 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,318 a month

  • Tight

    $2,318 to $2,980 a month

    Your payment · 32%

  • Hard

    more than $2,980 a month

Compared with the typical household income in Spanish Fort ($99,346 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,660
Principal & interest$2,287
Property tax$77
Home insurance$143
FHA mortgage insurance (MIP)$152

You need at least $12,037 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

Spanish Fort and Baldwin County

Spanish Fort is in Baldwin 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).

Spanish Fort's own numbers

Typical home value
$343,900
Typical monthly rent
$1,390
Typical yearly household income
$99,346
Households that own their home
66%
Effective property tax rate
0.27%

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

Numbers for all of Baldwin County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,434
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
11%

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 Baldwin County.

Everything about Baldwin County

Buying

Buying a home in Spanish Fort

A typical home in Spanish Fort is worth $343,900: 9% above the county and 64% above Alabama. With the typical household income in Spanish Fort ($99,346 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.

  • Spanish Fort 3.5 years
  • Baldwin 4.0 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Baldwin County

According to FHFA’s house price index, home prices in Baldwin County rose 103% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) +2.3% +2.5% +2.9%
5 years (2020–2025) +56% +47% +47%
10 years (2015–2025) +103% +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

Spanish Fort next to Baldwin 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
  • Spanish Fort $343,900
  • Baldwin $316,900
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Spanish Fort $1,390
  • Baldwin $1,277
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Spanish Fort $99,346
  • Baldwin $78,775
  • Alabama $63,999
  • United States $80,734
See the full table
Spanish Fort next to Baldwin County and Alabama
Measure Spanish Fort Baldwin County Alabama U.S.
Typical home value $343,900 $316,900 $209,900 $332,700
Typical monthly rent $1,390 $1,277 $1,007 $1,413
Typical yearly household income $99,346 $78,775 $63,999 $80,734
Households that own their home 66% 78% 70% 65%
Typical yearly property tax $945 $960 $788 $3,119
Effective property tax rate 0.27% 0.3% 0.38% 0.94%
Renters with high rent for their income 50% 47% 49% 51%

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

For a typical $343,900 home in Spanish Fort, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Spanish Fort's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,660a month

    Least cash to close
    Down payment
    $12,037
    Cash to close
    $22,354
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $152

  • Conventional, 5% down $2,597a month

    Down payment
    $17,195
    Cash to close
    $27,512
    Rate
    7.18%
    Mortgage insurance
    PMI · $163

  • Conventional, 20% down, no PMI $2,084a month

    Down payment
    $68,780
    Cash to close
    $79,097
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,402a month

    Down payment
    $51,585
    Cash to close
    $61,902
    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 Spanish Fort and for Baldwin County.

Property tax

Effective rate in Spanish Fort

0.27%of the home’s value each year

$945 a year for the typical owner in Spanish Fort.

  • Spanish Fort 0.27%
  • Baldwin 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 Baldwin County

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

Homes in the high-risk zone
11%
10,442
Of those, with NFIP insurance
64%
County Alabama U.S.
Homes in the high-risk zone 11% 3.2% 3.5%
Of those, with NFIP insurance 64% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Spanish Fort

Typical rent in Spanish Fort is $1,390 a month: 9% above the county. In Spanish Fort, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Baldwin County, by unit size. To pay the 2-bedroom one ($1,434 a month) without spending more than 30% of your income, you would need to earn $27.58 an hour working full time.

HUD fair market rent for all of Baldwin 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 $1,180 $22.69 $47,200
1 bedroom $1,317 $25.33 $52,680
2 bedrooms $1,434 $27.58 $57,360
3 bedrooms $1,855 $35.67 $74,200
4 bedrooms $2,347 $45.13 $93,880

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 Spanish Fort

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

For 2 bedrooms it runs from $1,220 in 36507 to $1,630 in 36527.

1 of the 2 is above the fair market rent for Baldwin County ($1,434).

  • 36507 $1,220$1,530
  • 36527 $1,630$2,110

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

HUD lists one building with rents for lower incomes in Spanish Fort.

  • The Kensley Apts 31230 Stagecoach Rd, Spanish Fort 36527 104 low-income homes · 2 bd: 72 · 3 bd: 32 · In service since 2005 · For people with disabilities, families

See all 41 buildings in Baldwin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Spanish Fort

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Spanish Fort

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

The HUD-approved agencies closest to the center of Spanish Fort, 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 · 15 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 · 17 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 · 18 miles away

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

All counseling agencies in Alabama

Help in Spanish near Spanish Fort

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 Spanish Fort

In HUD’s record, no housing authority with an office in Baldwin County is named for Spanish Fort or Baldwin County.

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

Cities

Other cities in Baldwin County

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

Everything about Baldwin County Housing in Alabama

Nearby cities

The cities closest to Spanish Fort, with the typical home value.

Neighboring counties

If Baldwin 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 Spanish Fort.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Spanish Fort

Short answers with the numbers for Spanish Fort and all of Baldwin 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 Spanish Fort?

The typical home value in Spanish Fort is $343,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Baldwin County it is $316,900.

How much does it cost to rent in Spanish Fort?

Typical rent in Spanish Fort is $1,390 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Baldwin County is $1,434.

What is the FHA loan limit in Spanish Fort?

Spanish Fort uses the FHA limit for all of Baldwin 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 Spanish Fort?

The typical homeowner in Spanish Fort pays $945 a year, according to the U.S. Census Bureau. That is 0.27% of the home’s value; in Baldwin County, the rate is 0.3%.

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

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