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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

West Jefferson, AL Housing Affordability Index

West Jefferson, Alabama has an MBR Housing Affordability Index score of 139.3 (Highly Affordable) as of October 30, 2026, ranking 331st most affordable of 446 scored Alabama cities, compared with 134.1 statewide and 97.4 nationally. On a median-priced $156,200 home with 20% down, the Alabama average 30-year fixed rate of 7.19% means a monthly principal and interest payment of about $847, or 25% of the city’s $41,406 median household income.

The MBR Housing Affordability Index (MBR-HAI) for West Jefferson 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.

West Jefferson MBR-HAI 139.3 Highly Affordable
Rank in Alabama 331 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 $156,200 U.S. Census Bureau

West Jefferson is 5.3 points above the Alabama score. Scores as of October 30, 2026. See the Alabama index

View West Jefferson Mortgage Rates

What It Takes to Buy in West Jefferson

$847/mo
Principal & Interest
Median home, 20% down, 7.19%
$36,300
Income Needed
To keep the payment at 28% of income
$41,406
Median Household Income
Alabama: $63,999
3.8x
Price-to-Income Ratio
Alabama: 3.3x
$502/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$630/yr
Median Property Tax
0.40% of median value
44.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
45.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the West Jefferson Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. West Jefferson, Alabama score: 139.3 (Highly Affordable), ranked 331 of 446 Alabama cities. monitorbankrates.com/housing-affordability-index/alabama/west-jefferson”