Jefferson County, AL Average Home Price (2026)
The average home price in Jefferson County, Alabama is about $195,500 (the 2026 median across 48 ZIP codes, at ~$132/sq ft) — 3% more affordable than the Alabama median and 32% more affordable than the typical U.S. home.
How Jefferson County compares
Jefferson County is relatively affordable for housing nationally: its typical home costs $195,500 against $201,000 for Alabama and $289,000 for the U.S. Within the county, ZIP-level values run from about $58,000 to $914,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Jefferson County | $195,500 | $132 |
| Alabama | $201,000 | $150 |
| United States | $289,000 | $193 |
Cities in Jefferson County
Cities with their own home-value page, largest first:
Jefferson County home prices by ZIP code
The 15 most valuable ZIP codes in Jefferson County (of 48 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 35223 Mountain Brook | $914,000 | $243 | +368% |
| 35213 Mountain Brook | $881,000 | $359 | +351% |
| 35243 Vestavia Hills | $584,000 | $268 | +199% |
| 35209 Homewood | $536,000 | $225 | +174% |
| 35226 Hoover | $437,000 | $192 | +124% |
| 35216 Vestavia Hills | $410,000 | $179 | +110% |
| 35222 Birmingham | $393,000 | $224 | +101% |
| 35173 Trussville | $384,000 | $181 | +96% |
| 35203 Birmingham | $315,000 | $308 | +61% |
| 35091 Kimberly | $307,000 | $137 | +57% |
| 35233 Birmingham | $303,000 | $281 | +55% |
| 35111 Mc Calla | $294,000 | $156 | +50% |
| 35022 Bessemer | $279,000 | $167 | +43% |
| 35071 Gardendale | $273,000 | $164 | +40% |
| 35210 Irondale | $272,000 | $194 | +39% |
Home value appreciation in Jefferson County
Home prices in Jefferson County have risen about 73% over the last 10 years (≈5.6% a year) and +74.2% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.2% — still rising. A home worth $195,500 today was worth roughly $113,333 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Alabama is +77.2% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Jefferson County
Run the numbers for Jefferson County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Jefferson County
To buy the typical $195,500 home in Jefferson County with 20% down, you need a household income of roughly $53,000 a year (about $1,240 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $63,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,800 | $1,540/mo | $66,000/yr |
| 10% (+PMI) | $19,600 | $1,470/mo | $63,000/yr |
| 20% | $39,100 | $1,240/mo | $53,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Jefferson County
At about $132 per square foot, here is roughly how much home different budgets get you in Jefferson County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1140 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1520 sq ft | around the typical home here |
| $250k | 1890 sq ft | around the typical home here |
| $300k | 2270 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3030 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Alabama.
Estimate a specific home in Jefferson County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Jefferson County home prices: frequently asked
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Browse all Alabama cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.