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City · 26,673 residents · Jefferson County, Alabama

Trussville , Alabama

In Trussville, a typical home is worth $370,300 and typical rent is $1,711 a month. Compared with all of Jefferson County, typical household income is 86% higher, the typical home value is 54% higher, and the share of households that own their home is 28 points higher.

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  • Typical home value

    $370,300

    54% above the county

    76% above Alabama

    • Trussville
    • Jefferson
    • Alabama

  • Typical rent

    $1,711a month

    43% above the county

    70% above Alabama

    • Trussville
    • Jefferson
    • Alabama

  • Typical household income

    $123,275a year

    86% above the county

    93% above Alabama

    • Trussville
    • Jefferson
    • Alabama

  • Households that own their home

    92%

    28 points above the county

    22 points above Alabama

    • Trussville
    • Jefferson
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$396,259
3.1% more than 12 months ago
Typical rent
$1,746 a month
2.5% more than 12 months ago

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

Trussville is in Jefferson 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 Jefferson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Trussville apart

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

  1. 92% of households in Trussville own their home, against 64% in Jefferson County.

  2. The typical household income in Trussville is $123,275, 86% more than in Jefferson County as a whole ($66,388).

  3. Nearby, in Grayson Valley, the typical home value is $148,400: 60% less than in Trussville ($370,300).

  4. Trussville has the 3rd highest typical rent of the 117 cities in Alabama with more than 5,000 people ($1,711).

  5. The typical home in Trussville is worth $370,300, 54% more than in Jefferson County as a whole ($240,000).

  6. Nearby, in Grayson Valley, the typical rent is $1,312: 23% less than in Trussville ($1,711).

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

The homes here

Housing in Trussville

What homes there are in Trussville, 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 rules in Trussville: 96% of homes, more than in Jefferson County (69%).

Year built

The typical home in Trussville was built in 1999, 24 years after the typical one in Jefferson County.

There is more room for a big family here: 93% of homes have 3 bedrooms or more, against 64% in Jefferson 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
Monthly rent with utilities

With a mortgage

$2,077 a month

Jefferson County: $1,619 a month

Without a mortgage

$639 a month

Jefferson County: $533 a month

Owners with a mortgage

70%

Jefferson County: 60%

In Trussville, 70% of owners have a mortgage, and their typical cost is $2,077 a month, against $1,619 in Jefferson County. Without one it drops to $639.

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 Trussville rose 45% since 2015–2019, less than in Jefferson County (51%).

Since 2015–2019, the typical rent in Trussville did not change clearly, according to the Census.

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

MeasureTrussvilleJefferson CountyAlabamaUnited States
Rental vacancy Unreliable estimate7.0%7.2%5.5%
Homeowner vacancy Unreliable estimate1.2%1.1%0.9%
More than one person per room Unreliable estimate1.6%1.7%3.4%
People per household 2.782.402.482.53
Drive alone 80%77%81%69%
Carpool 5%8%8%9%
Public transit Unreliable estimate1%0%3%
Walk or bike Unreliable estimate2%1%3%
Work from home 14%11%9%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.78 on average, against 2.40 in Jefferson County.

In Trussville, 80% of workers drive alone to work; in Jefferson County, 77%.

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 Trussville?

A typical home is tight for the typical income

We start with a typical home in Trussville, worth $370,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Trussville, which is $123,275 a year. For that payment to be 28% of income, a household would need to earn about $125,806 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Trussville. 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 $12,961 (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

$2,936

at 7.18% · 30 years

Loan amount
$363,592
Total interest
$523,124
Paid off in
November 2056

Includes $6,253 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,876 a month

  • Tight

    $2,876 to $3,698 a month

    Your payment · 29%

  • Hard

    more than $3,698 a month

Compared with the typical household income in Trussville ($123,275 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,936
Principal & interest$2,463
Property tax$154
Home insurance$154
FHA mortgage insurance (MIP)$164

You need at least $12,961 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

Trussville and Jefferson County

Trussville is in Jefferson 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).

Trussville's own numbers

Typical home value
$370,300
Typical monthly rent
$1,711
Typical yearly household income
$123,275
Households that own their home
92%
Effective property tax rate
0.5%

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

Numbers for all of Jefferson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,375
Price change over 5 years (FHFA)
+38%
Homes in a high flood-risk zone
2.3%

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 Jefferson County.

Everything about Jefferson County

Buying

Buying a home in Trussville

A typical home in Trussville is worth $370,300: 54% above the county and 76% above Alabama. With the typical household income in Trussville ($123,275 a year), a typical home costs 3.0 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.

  • Trussville 3.0 years
  • Jefferson 3.6 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jefferson County

According to FHFA’s house price index, home prices in Jefferson County rose 73% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) +2.2% +2.5% +2.9%
5 years (2020–2025) +38% +47% +47%
10 years (2015–2025) +73% +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

Trussville next to Jefferson 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
  • Trussville $370,300
  • Jefferson $240,000
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Trussville $1,711
  • Jefferson $1,193
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Trussville $123,275
  • Jefferson $66,388
  • Alabama $63,999
  • United States $80,734
See the full table
Trussville next to Jefferson County and Alabama
Measure Trussville Jefferson County Alabama U.S.
Typical home value $370,300 $240,000 $209,900 $332,700
Typical monthly rent $1,711 $1,193 $1,007 $1,413
Typical yearly household income $123,275 $66,388 $63,999 $80,734
Households that own their home 92% 64% 70% 65%
Typical yearly property tax $1,842 $1,409 $788 $3,119
Effective property tax rate 0.5% 0.59% 0.38% 0.94%
Renters with high rent for their income 42% 54% 49% 51%

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

For a typical $370,300 home in Trussville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Trussville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,935a month

    Least cash to close
    Down payment
    $12,961
    Cash to close
    $24,070
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $164

  • Conventional, 5% down $2,868a month

    Down payment
    $18,515
    Cash to close
    $29,624
    Rate
    7.18%
    Mortgage insurance
    PMI · $176

  • Conventional, 20% down, no PMI $2,315a month

    Down payment
    $74,060
    Cash to close
    $85,169
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,658a month

    Down payment
    $55,545
    Cash to close
    $66,654
    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 Trussville and for Jefferson County.

Property tax

Effective rate in Trussville

0.5%of the home’s value each year

$1,842 a year for the typical owner in Trussville.

  • Trussville 0.5%
  • Jefferson 0.59%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Jefferson County

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

Homes in the high-risk zone
2.3%
5,592
Of those, with NFIP insurance
13%
County Alabama U.S.
Homes in the high-risk zone 2.3% 3.2% 3.5%
Of those, with NFIP insurance 13% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Trussville

Typical rent in Trussville is $1,711 a month: 43% above the county. In Trussville, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($1,375 a month) without spending more than 30% of your income, you would need to earn $26.44 an hour working full time.

HUD fair market rent for all of Jefferson 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 $1,177 $22.63 $47,080
1 bedroom $1,263 $24.29 $50,520
2 bedrooms $1,375 $26.44 $55,000
3 bedrooms $1,727 $33.21 $69,080
4 bedrooms $1,941 $37.33 $77,640

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 Trussville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Trussville is in ZIP code 35173.

For 2 bedrooms it is $1,480: $105 more than the fair market rent for Jefferson County ($1,375).

  • 35173 $1,480$1,860

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

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 6 HUD-approved agencies with an office in Jefferson County; 2 say they serve in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Trussville

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

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

  • United Way of Central Alabama, Inc.

    3600 8th Ave S, Birmingham · 16 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (205) 458-8950

  • Operation Hope- Birmingham Al

    2100 Park Pl, Birmingham · 17 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 3 more
    (205) 478-0557

  • Neighborhood Housing Services of Birmingham, Inc.

    601 19th St N, Birmingham · 17 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (205) 328-4292

Every agency in Jefferson County All counseling agencies in Alabama

Help in Spanish near Trussville

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 Trussville

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

  • Jefferson County Housing Authority Public housing and Section 8 vouchers (205) 849-0123

5 other authorities have an office in Jefferson County: see the list Source: HUD

Cities

Other cities in Jefferson County

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

Everything about Jefferson County Housing in Alabama
See 9 more cities in Jefferson County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Jefferson 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 Trussville.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Trussville

Short answers with the numbers for Trussville and all of Jefferson 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 Trussville?

The typical home value in Trussville is $370,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $240,000.

How much does it cost to rent in Trussville?

Typical rent in Trussville is $1,711 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $1,375.

What is the FHA loan limit in Trussville?

Trussville uses the FHA limit for all of Jefferson 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 Trussville?

The typical homeowner in Trussville pays $1,842 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Jefferson County, the rate is 0.59%.

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

There are 6 HUD-approved counseling agencies with an office in Jefferson County. 2 say they serve 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).