The typical owner-occupied home in Winston County is worth about $118,900, 43% below the Alabama median of $209,900 and 64% below the national median of $332,700. Owners pay a median $380 a year in property taxes, about 0.32% of their home's value, lower than the Alabama rate of 0.38%. The median household earns $57,256 a year, so the median home costs 2.1 times the median income (3.3 times for Alabama). 76% of occupied homes here are lived in by their owners, and 39% of those owners still have a mortgage.
Winston County at a glance
| Winston County | Alabama | U.S. | |
|---|---|---|---|
| Median home value | $118,900 | $209,900 | $332,700 |
| Median property tax paid per year | $380 | $788 | $3,119 |
| Property tax as a share of value | 0.32% | 0.38% | 0.94% |
| Median household income | $57,256 | $63,999 | $80,734 |
| Homes lived in by their owners | 76% | 70% | 65% |
| Owner homes with a mortgage | 39% | 54% | 61% |
| Median monthly costs, owners with a mortgage | $1,275 | $1,433 | $1,963 |
| Those costs as a share of the owners' income | 19.9% | 19.0% | 21.0% |
| Median rent | $803 | $1,007 | $1,413 |
| Rent as a share of renters' income | 26.4% | 29.5% | 30.6% |
| Median year homes were built | 1988 | 1986 | 1980 |
| Vacant homes | 28.4% | 14.5% | 10.1% |
| Population | 23,682 | 5,086,768 | 334,922,499 |
What a typical home costs per month in Winston County
At this week's average 30-year rate of 7.11%, buying the median Winston County home of $118,900 with 20% down costs about $721 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $919, 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 $30,906 for the 20%-down payment. That payment is 15% of the median Winston County household income of $57,256; at that income and 20% down, the 28% guideline points to a home of about $220,000.
The median rent here is $803 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $23,780 |
|---|---|
| Loan amount | $95,120 |
| Principal and interest | $640 |
| Property taxes (0.32% a year) | $32 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| PMI | $0 |
| Total per month | $721 |
Change the numbers in the calculator
| Down payment | $4,162 |
|---|---|
| Loan amount | $116,746 |
| Principal and interest | $785 |
| Property taxes (0.32% a year) | $32 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| FHA mortgage insurance | $53 |
| Total per month | $919 |
Change the numbers in the calculator
Questions about home buying in Winston County
What is the median home value in Winston County?
About $118,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Winston County?
Homeowners pay a median $380 a year, which is about 0.32% 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 Winston County?
For the median home with 20% down at 7.11%, the payment is about $721 a month. Keeping that under 28% of gross income takes about $30,906 a year.
More about Winston County
- Mortgage Refinance in Winston County
- Debt Relief in Winston County
- Home Equity Loans in Winston 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