Español

Este sitio también está en español. Leer en español

City · 7,437 residents · Elmore County, Alabama

Wetumpka , Alabama

In Wetumpka, a typical home is worth $203,900 and typical rent is $1,140 a month. Compared with all of Elmore County, typical household income is 26% lower, the typical home value is 9% lower, and the share of households that own their home is 15 points lower.

WhatsApp

  • Typical home value

    $203,900

    9% below the county

    3% below Alabama

    • Wetumpka
    • Elmore
    • Alabama

  • Typical rent

    $1,140a month

    6% above the county

    13% above Alabama

    • Wetumpka
    • Elmore
    • Alabama

  • Typical household income

    $57,763a year

    26% below the county

    10% below Alabama

    • Wetumpka
    • Elmore
    • Alabama

  • Households that own their home

    62%

    15 points below the county

    8 points below Alabama

    • Wetumpka
    • Elmore
    • Alabama

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

Market now, with Zillow data

Zillow data
Typical home value
$280,863
4.1% more than 12 months ago

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

Wetumpka is in Elmore 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 Elmore County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Wetumpka apart

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

  1. Nearby, in Tallassee, the typical home value is $144,600: 29% less than in Wetumpka ($203,900).

  2. 62% of households in Wetumpka own their home, against 77% in Elmore County.

  3. The typical household income in Wetumpka is $57,763, 26% less than in Elmore County as a whole ($78,243).

  4. Nearby, in Holtville, the typical rent is $954: 16% less than in Wetumpka ($1,140).

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

The homes here

Housing in Wetumpka

What homes there are in Wetumpka, 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

In Wetumpka, 7 in 10 homes are single-family detached houses, about the same as in Elmore County.

Year built

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

$1,214 a month

Elmore County: $1,432 a month

Without a mortgage

$398 a month

Elmore County: $416 a month

Owners with a mortgage

70%

Elmore County: 61%

In Wetumpka, 70% of owners have a mortgage, and their typical cost is $1,214 a month, against $1,432 in Elmore County. Without one it drops to $398.

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

Since 2015–2019, homes in Wetumpka gained value faster than in Elmore County: 49% against 34%.

The typical rent in Wetumpka rose 44% over the same time; in Elmore County, it rose 20%.

Here income did not keep up with housing: it rose 35%, while home values changed +49% and rent +44%.

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

MeasureWetumpkaElmore CountyAlabamaUnited States
Rental vacancy Unreliable estimate7.0%7.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate1.6%1.7%3.4%
People per household 2.362.602.482.53
Drive alone 84%84%81%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate7%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Wetumpka are smaller: 2.36 people on average; in Elmore County, 2.60.

In Wetumpka, 84% of workers drive alone to work; in Elmore 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 Wetumpka?

A typical home is tight for the typical income

We start with a typical home in Wetumpka, worth $203,900, 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 Wetumpka, which is $57,763 a year. For that payment to be 28% of income, a household would need to earn about $67,598 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Wetumpka. 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 $7,137 (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

$1,577

at 7.18% · 30 years

Loan amount
$200,206
Total interest
$288,050
Paid off in
November 2056

Includes $3,443 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,348 a month

  • Tight

    $1,348 to $1,733 a month

    Your payment · 33%

  • Hard

    more than $1,733 a month

Compared with the typical household income in Wetumpka ($57,763 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,577
Principal & interest$1,356
Property tax$46
Home insurance$85
FHA mortgage insurance (MIP)$90

You need at least $7,137 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

Wetumpka and Elmore County

Wetumpka is in Elmore 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).

Wetumpka's own numbers

Typical home value
$203,900
Typical monthly rent
$1,140
Typical yearly household income
$57,763
Households that own their home
62%
Effective property tax rate
0.27%

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

Numbers for all of Elmore County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,150
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
2.5%

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 Elmore County.

Everything about Elmore County

Buying

Buying a home in Wetumpka

A typical home in Wetumpka is worth $203,900: 9% below the county and 3% below Alabama. With the typical household income in Wetumpka ($57,763 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.

  • Wetumpka 3.5 years
  • Elmore 2.9 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Elmore County

According to FHFA’s house price index, home prices in Elmore County rose 66% in the 10 years through 2025.

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

Period County Alabama U.S.
Last year (2025) +7.3% +2.5% +2.9%
5 years (2020–2025) +47% +47% +47%
10 years (2015–2025) +66% +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

Wetumpka next to Elmore 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
  • Wetumpka $203,900
  • Elmore $223,900
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Wetumpka $1,140
  • Elmore $1,071
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Wetumpka $57,763
  • Elmore $78,243
  • Alabama $63,999
  • United States $80,734
See the full table
Wetumpka next to Elmore County and Alabama
Measure Wetumpka Elmore County Alabama U.S.
Typical home value $203,900 $223,900 $209,900 $332,700
Typical monthly rent $1,140 $1,071 $1,007 $1,413
Typical yearly household income $57,763 $78,243 $63,999 $80,734
Households that own their home 62% 77% 70% 65%
Typical yearly property tax $559 $610 $788 $3,119
Effective property tax rate 0.27% 0.27% 0.38% 0.94%
Renters with high rent for their income 40% 45% 49% 51%

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

For a typical $203,900 home in Wetumpka, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wetumpka's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,577a month

    Least cash to close
    Down payment
    $7,137
    Cash to close
    $13,254
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $90

  • Conventional, 5% down $1,540a month

    Down payment
    $10,195
    Cash to close
    $16,312
    Rate
    7.18%
    Mortgage insurance
    PMI · $97

  • Conventional, 20% down, no PMI $1,236a month

    Down payment
    $40,780
    Cash to close
    $46,897
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,424a month

    Down payment
    $30,585
    Cash to close
    $36,702
    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 Wetumpka and for Elmore County.

Property tax

Effective rate in Wetumpka

0.27%of the home’s value each year

$559 a year for the typical owner in Wetumpka.

  • Wetumpka 0.27%
  • Elmore 0.27%
  • Alabama 0.38%

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

Exemptions and deadlines in Alabama

Flood risk in Elmore County

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

Homes in the high-risk zone
2.5%
720
Of those, with NFIP insurance
33%
County Alabama U.S.
Homes in the high-risk zone 2.5% 3.2% 3.5%
Of those, with NFIP insurance 33% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Wetumpka

Typical rent in Wetumpka is $1,140 a month: 6% above the county. In Wetumpka, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Elmore County, by unit size. To pay the 2-bedroom one ($1,150 a month) without spending more than 30% of your income, you would need to earn $22.12 an hour working full time.

HUD fair market rent for all of Elmore 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 $986 $18.96 $39,440
1 bedroom $1,003 $19.29 $40,120
2 bedrooms $1,150 $22.12 $46,000
3 bedrooms $1,476 $28.38 $59,040
4 bedrooms $1,708 $32.85 $68,320

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 Wetumpka

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wetumpka is in ZIP code 36092.

For 2 bedrooms it is $1,090: $60 less than the fair market rent for Elmore County ($1,150).

  • 36092 $1,090$1,400

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

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

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Wetumpka

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

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

  • Legal Services Alabama Inc

    2567 Fairlane Drive Suite 300, Montgomery · 15 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (886) 456-4995

  • NSC (naca Counseling Subsidiary) - Birmingham, AL

    529 Beacon Pkwy W Ste 204, Birmingham · 74 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (205) 942-8111

  • United Way of Central Alabama, Inc.

    3600 8th Ave S, Birmingham · 75 miles away

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

All counseling agencies in Alabama

Help in Spanish near Wetumpka

2 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 Wetumpka

In HUD’s record, no housing authority with an office in Elmore County is named for Wetumpka or Elmore County.

One other authority has an office in Elmore County: see the list Source: HUD

Cities

Other cities in Elmore County

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

Everything about Elmore County Housing in Alabama

Nearby cities

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

Neighboring counties

If Elmore 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 Wetumpka.

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

Questions

Housing questions about Wetumpka

Short answers with the numbers for Wetumpka and all of Elmore 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 Wetumpka?

The typical home value in Wetumpka is $203,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Elmore County it is $223,900.

How much does it cost to rent in Wetumpka?

Typical rent in Wetumpka is $1,140 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Elmore County is $1,150.

What is the FHA loan limit in Wetumpka?

Wetumpka uses the FHA limit for all of Elmore 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 Wetumpka?

The typical homeowner in Wetumpka pays $559 a year, according to the U.S. Census Bureau. That is 0.27% of the home’s value; in Elmore County, the rate is 0.27%.

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

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