Alabama Housing Affordability Index

Daily affordability score for Alabama compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

Alabama

129.8

Highly Affordable

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #3 of 51 states

vs. National Average +29.2 points

30-yr Rate Used 6.699%

Median Home Value $209,900

Median Household Income $63,999

View all state rankings →

Alabama Affordability Ranking

#3 of 51 states — April 10, 2026 Top 20% most affordable

Most Affordable Least Affordable

More affordable than: 48 of 51 states (94%)

Less affordable than: 2 of 51 states (4%)

MBR-HAI Score: 129.8 vs. national 100.6 (+29.2 points)

Nearby States

#1 WV 139.9

#2 AR 131.2

#3 Alabama ◀ 129.8

#4 IA 129.6

#5 MS 126.3

↓ 46 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL ◀ 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

Alabama MBR-HAI — 90-Day Trend

Alabama

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Alabama

$209,900

Median Home Value

U.S. median: varies by state

$63,999

Median Household Income

U.S. median: $80,734

3.3x

Price-to-Income Ratio

Home value ÷ income

$897/mo

Median Owner Costs

16.8% of income annually

$918/yr

Median Property Tax

0.44% effective rate

71.2%

Homeownership Rate

U.S. average: 65.7%

23.6%

Owner Cost Burden

% spending 30%+ of income on housing

6.699%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Alabama Ranks Among All States

#3

of 51 states

Least Affordable Most Affordable

Alabama is more affordable than 96% of U.S. states — Highly Affordable

129.8

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
1	West Virginia	139.9	Highly Affordable
2	Arkansas	131.2	Highly Affordable
3	Alabama You are here	129.8	Highly Affordable
4	Iowa	129.6	Highly Affordable
5	Mississippi	126.3	Highly Affordable
6	Louisiana	125.3	Highly Affordable
▼ See all 51 state rankings →

Showing states ranked near Alabama — April 10, 2026 • View complete national rankings →

Download Alabama HAI Data

Alabama History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-10,AL,129.8,100.6,6.699                

Download AL History (CSV)

All 51 States (CSV)

Compare Alabama to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how Alabama ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Alabama Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Alabama.