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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Coaling, AL Housing Affordability Index

Coaling, Alabama has an MBR Housing Affordability Index score of 161.2 (Highly Affordable) as of October 30, 2026, ranking 221st most affordable of 446 scored Alabama cities, compared with 134.1 statewide and 97.4 nationally. On a median-priced $228,000 home with 20% down, the Alabama average 30-year fixed rate of 7.19% means a monthly principal and interest payment of about $1,237, or 18% of the city’s $81,370 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Coaling is updated every night from live Alabama mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Coaling MBR-HAI 161.2 Highly Affordable
Rank in Alabama 221 of 446 1 = most affordable
Alabama 134.1 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.19% Alabama lenders
Median home value $228,000 U.S. Census Bureau

Coaling is 27.1 points above the Alabama score. Scores as of October 30, 2026. See the Alabama index

View Coaling Mortgage Rates

What It Takes to Buy in Coaling

$1,237/mo
Principal & Interest
Median home, 20% down, 7.19%
$53,000
Income Needed
To keep the payment at 28% of income
$81,370
Median Household Income
Alabama: $63,999
2.8x
Price-to-Income Ratio
Alabama: 3.3x
$1,087/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$636/yr
Median Property Tax
0.28% of median value
14.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
41.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Coaling, Alabama. The rate is the Alabama average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Coaling Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Coaling, Alabama score: 161.2 (Highly Affordable), ranked 221 of 446 Alabama cities. monitorbankrates.com/housing-affordability-index/alabama/coaling”