The typical owner-occupied home in Chambers County is worth about $135,800, 35% below the Alabama median of $209,900 and 59% below the national median of $332,700. Owners pay a median $523 a year in property taxes, about 0.39% of their home's value, close to the Alabama rate of 0.38%. The median household earns $49,656 a year, so the median home costs 2.7 times the median income (3.3 times for Alabama). 72% of occupied homes here are lived in by their owners, and 45% of those owners still have a mortgage.
Chambers County at a glance
| Chambers County | Alabama | U.S. | |
|---|---|---|---|
| Median home value | $135,800 | $209,900 | $332,700 |
| Median property tax paid per year | $523 | $788 | $3,119 |
| Property tax as a share of value | 0.39% | 0.38% | 0.94% |
| Median household income | $49,656 | $63,999 | $80,734 |
| Homes lived in by their owners | 72% | 70% | 65% |
| Owner homes with a mortgage | 45% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,135 | $1,433 | $1,963 |
| Those costs as a share of the owners' income | 19.9% | 19.0% | 21.0% |
| Median rent | $871 | $1,007 | $1,413 |
| Rent as a share of renters' income | 28.3% | 29.5% | 30.6% |
| Median year homes were built | 1979 | 1986 | 1980 |
| Vacant homes | 18.3% | 14.5% | 10.1% |
| Population | 34,192 | 5,086,768 | 334,922,499 |
What a typical home costs per month in Chambers County
At this week's average 30-year rate of 7.11%, buying the median Chambers County home of $135,800 with 20% down costs about $832 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,058, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $35,638 for the 20%-down payment. That payment is 20% of the median Chambers County household income of $49,656; at that income and 20% down, the 28% guideline points to a home of about $189,000.
The median rent here is $871 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $27,160 |
|---|---|
| Loan amount | $108,640 |
| Principal and interest | $731 |
| Property taxes (0.39% a year) | $44 |
| Homeowners insurance (our estimate, 0.5% a year) | $57 |
| PMI | $0 |
| Total per month | $832 |
Change the numbers in the calculator
| Down payment | $4,753 |
|---|---|
| Loan amount | $133,340 |
| Principal and interest | $897 |
| Property taxes (0.39% a year) | $44 |
| Homeowners insurance (our estimate, 0.5% a year) | $57 |
| FHA mortgage insurance | $60 |
| Total per month | $1,058 |
Change the numbers in the calculator
Questions about home buying in Chambers County
What is the median home value in Chambers County?
About $135,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Chambers County?
Homeowners pay a median $523 a year, which is about 0.39% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Chambers County?
For the median home with 20% down at 7.11%, the payment is about $832 a month. Keeping that under 28% of gross income takes about $35,638 a year.
More about Chambers County
- Mortgage Refinance in Chambers County
- Debt Relief in Chambers County
- Home Equity Loans in Chambers County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data