Birmingham, AL mortgage calculator

Birmingham
Mortgage
Calculator

Birmingham is Alabama's largest city, with a healthcare, banking, and biotech economy anchored by UAB. Jefferson County's property tax rate is slightly above the state average, but Alabama's constitutional millage cap keeps it very low nationally.

0.48% county property tax
Real local rates
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$
$
Interest rate6.48%
Monthly payment
$1,055
P&I · Taxes · Insurance
Total interest
$182,983
Principal & Interest$908/mo
Property Tax (0.48%)$72/mo
Homeowners Insurance$75/mo

Recommended for incomes above $50k/yr (28% DTI rule)

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0.48%
Birmingham area property tax rate
$180,000
Birmingham median home price
$1,055
est. monthly payment at defaults

Birmingham housing market

$180,000
Median home price
$40,000
Median household income
197,575
City population

The 0.48% property tax rate reflects the county-level effective rate for Birmingham and is used to calculate your monthly tax escrow above. This rate may differ from the statewide Alabama average — county-level data produces more accurate monthly payment estimates for Birmingham buyers. Many Birmingham properties also carry HOA fees — the area average is approximately $50/month, which is not included in the calculator above.

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