Local costs · Alabama
What a home costs across Alabama
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Alabama, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,748 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Alabama deed recording tax: 0.10% of price — negotiableA separate mortgage recording tax of $0.15 per $100 of loan also applies.On the $233,300 state median home, the buyer’s customary share is about $117; the seller customarily covers about $117.
- Title insurance
- Alabama uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Alabama income tax is modeled at about 4.35% effective for a married household at $100,000 (4.74% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 67 counties in Alabama
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Autauga County | 0.30% | $850–$1,900typical $1,310 |
| Baldwin County | 0.30% | $2,710–$6,050typical $4,170 |
| Barbour County | 0.41% | $850–$1,900typical $1,310 |
| Bibb County | 0.21% | $880–$1,960typical $1,350 |
| Blount County | 0.30% | $900–$2,000typical $1,380 |
| Bullock County | 0.41% | $1,160–$2,580typical $1,780 |
| Butler County | 0.36% | $1,310–$2,930typical $2,020 |
| Calhoun County | 0.42% | $910–$2,030typical $1,400 |
| Chambers County | 0.39% | $850–$1,900typical $1,310 |
| Cherokee County | 0.38% | $850–$1,900typical $1,310 |
| Chilton County | 0.33% | $850–$1,900typical $1,310 |
| Choctaw County | 0.17% | $1,530–$3,410typical $2,350 |
| Clarke County | 0.33% | $1,800–$4,020typical $2,770 |
| Clay County | 0.21% | $940–$2,100typical $1,450 |
| Cleburne County | 0.29% | $960–$2,150typical $1,480 |
| Coffee County | 0.36% | $1,150–$2,570typical $1,770 |
| Colbert County | 0.40% | $850–$1,900typical $1,310 |
| Conecuh County | 0.31% | $1,640–$3,670typical $2,530 |
| Coosa County | 0.27% | $850–$1,900typical $1,310 |
| Covington County | 0.26% | $2,300–$5,130typical $3,540 |
| Crenshaw County | 0.32% | $1,370–$3,050typical $2,100 |
| Cullman County | 0.26% | $850–$1,900typical $1,310 |
| Dale County | 0.32% | $1,100–$2,450typical $1,690 |
| Dallas County | 0.41% | $860–$1,910typical $1,320 |
| DeKalb County | 0.33% | $850–$1,900typical $1,310 |
| Elmore County | 0.27% | $850–$1,900typical $1,310 |
| Escambia County | 0.39% | $2,550–$5,700typical $3,930 |
| Etowah County | 0.39% | $990–$2,200typical $1,520 |
| Fayette County | 0.28% | $960–$2,150typical $1,480 |
| Franklin County | 0.32% | $900–$2,000typical $1,380 |
| Geneva County | 0.34% | $1,140–$2,540typical $1,750 |
| Greene County | 0.55% | $1,080–$2,410typical $1,660 |
| Hale County | 0.32% | $980–$2,180typical $1,500 |
| Henry County | 0.34% | $1,070–$2,380typical $1,640 |
| Houston County | 0.31% | $1,200–$2,670typical $1,840 |
| Jackson County | 0.30% | $860–$1,930typical $1,330 |
| Jefferson County | 0.59% | $850–$1,900typical $1,310 |
| Lamar County | 0.24% | $860–$1,910typical $1,320 |
| Lauderdale County | 0.38% | $850–$1,900typical $1,310 |
| Lawrence County | 0.29% | $850–$1,900typical $1,310 |
| Lee County | 0.48% | $850–$1,900typical $1,310 |
| Limestone County | 0.32% | $850–$1,900typical $1,310 |
| Lowndes County | 0.39% | $930–$2,070typical $1,430 |
| Macon County | 0.50% | $850–$1,900typical $1,310 |
| Madison County | 0.40% | $850–$1,900typical $1,310 |
| Marengo County | 0.38% | $1,270–$2,830typical $1,950 |
| Marion County | 0.28% | $990–$2,200typical $1,520 |
| Marshall County | 0.36% | $940–$2,100typical $1,450 |
| Mobile County | 0.47% | $2,200–$4,900typical $3,380 |
| Monroe County | 0.32% | $1,550–$3,450typical $2,380 |
| Montgomery County | 0.41% | $850–$1,900typical $1,310 |
| Morgan County | 0.34% | $900–$2,000typical $1,380 |
| Perry County | 0.33% | $1,150–$2,570typical $1,770 |
| Pickens County | 0.29% | $1,020–$2,280typical $1,570 |
| Pike County | 0.27% | $940–$2,100typical $1,450 |
| Randolph County | 0.25% | $900–$2,000typical $1,380 |
| Russell County | 0.38% | $850–$1,900typical $1,310 |
| Shelby County | 0.44% | $900–$2,020typical $1,390 |
| St. Clair County | 0.32% | $850–$1,900typical $1,310 |
| Sumter County | 0.43% | $1,310–$2,930typical $2,020 |
| Talladega County | 0.36% | $850–$1,900typical $1,310 |
| Tallapoosa County | 0.30% | $850–$1,900typical $1,310 |
| Tuscaloosa County | 0.32% | $850–$1,900typical $1,310 |
| Walker County | 0.26% | $920–$2,040typical $1,410 |
| Washington County | 0.23% | $1,970–$4,390typical $3,030 |
| Wilcox County | 0.32% | $1,040–$2,320typical $1,600 |
| Winston County | 0.32% | $850–$1,900typical $1,310 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.