The typical owner-occupied home in Ethelsville is worth about $166,700, 21% below the Alabama median of $209,900 and 50% below the national median of $332,700. The median household earns $48,750 a year, so the median home costs 3.4 times the median income (3.3 times for Alabama). 81% of occupied homes here are lived in by their owners, and 68% of those owners still have a mortgage.
Ethelsville at a glance
| Ethelsville | Alabama | U.S. | |
|---|---|---|---|
| Median home value | $166,700 | $209,900 | $332,700 |
| Median property tax paid per year | – | $788 | $3,119 |
| Median household income | $48,750 | $63,999 | $80,734 |
| Homes lived in by their owners | 81% | 70% | 65% |
| Owner homes with a mortgage | 68% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,656 | $1,433 | $1,963 |
| Those costs as a share of the owners' income | 30.5% | 19.0% | 21.0% |
| Median rent | – | $1,007 | $1,413 |
| Median year homes were built | 1964 | 1986 | 1980 |
| Vacant homes | 0.0% | 14.5% | 10.1% |
| Population | 51 | 5,086,768 | 334,922,499 |
What a typical home costs per month in Ethelsville
At this week's average 30-year rate of 7.11%, buying the median Ethelsville home of $166,700 with 20% down costs about $1,119 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,397, 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 $47,974 for the 20%-down payment. That payment is 28% of the median Ethelsville household income of $48,750; at that income and 20% down, the 28% guideline points to a home of about $169,000.
| Down payment | $33,340 |
|---|---|
| Loan amount | $133,360 |
| Principal and interest | $897 |
| Property taxes (1.10% a year) | $153 |
| Homeowners insurance (our estimate, 0.5% a year) | $69 |
| PMI | $0 |
| Total per month | $1,119 |
Change the numbers in the calculator
| Down payment | $5,834 |
|---|---|
| Loan amount | $163,681 |
| Principal and interest | $1,101 |
| Property taxes (1.10% a year) | $153 |
| Homeowners insurance (our estimate, 0.5% a year) | $69 |
| FHA mortgage insurance | $74 |
| Total per month | $1,397 |
Change the numbers in the calculator
Questions about home buying in Ethelsville
What is the median home value in Ethelsville?
About $166,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Ethelsville?
For the median home with 20% down at 7.11%, the payment is about $1,119 a month. Keeping that under 28% of gross income takes about $47,974 a year.
More about Ethelsville
- Mortgage Refinance in Ethelsville
- Debt Relief in Ethelsville
- Home Equity Loans in Ethelsville
- 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