Alabama mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Jefferson County | 5,912 | 6.499% | $5,409 | 6.25% |
| Madison County | 5,771 | 6.125% | $5,807 | 6.038% |
| Baldwin County | 4,045 | 6.25% | $5,834 | 6.25% |
| Mobile County | 3,578 | 6.375% | $6,349 | 6.25% |
| Shelby County | 3,267 | 6.375% | $5,827 | 6.25% |
| Lee County | 2,254 | 6.5% | $6,800 | 6.125% |
| Limestone County | 2,185 | 6.125% | $6,132 | 6.125% |
| Tuscaloosa County | 2,072 | 6.375% | $6,822 | 6.25% |
| Montgomery County | 1,897 | 6.45% | $6,566 | 6.125% |
| St. Clair County | 1,362 | 6.375% | $6,878 | 6.25% |
| Morgan County | 1,264 | 6.5% | $5,849 | 6.25% |
| Elmore County | 1,133 | 6.5% | $6,426 | 6.25% |
| Houston County | 1,050 | 6.5% | $5,520 | 6.25% |
| Calhoun County | 1,022 | 6.5% | $6,348 | 6.25% |
| Cullman County | 924 | 6.5% | $6,237 | 6.25% |
| Lauderdale County | 923 | 6.375% | $5,471 | 6.24% |
| Etowah County | 922 | 6.49% | $6,166 | 6.375% |
| Marshall County | 913 | 6.375% | $6,893 | 6.25% |
| Talladega County | 756 | 6.375% | $6,331 | 6.25% |
| Autauga County | 752 | 6.5% | $6,559 | 6.125% |
| Coffee County | 709 | 6.499% | $5,969 | 5.99% |
| Russell County | 632 | 6.375% | $7,674 | 6.124% |
| Colbert County | 632 | 6.375% | $5,872 | 6.25% |
| Blount County | 579 | 6.625% | $6,399 | 6.25% |
| Walker County | 565 | 6.625% | $6,054 | 6.25% |
| DeKalb County | 515 | 6.623% | $6,257 | 6.25% |
| Chilton County | 473 | 6.625% | $6,454 | 6.375% |
| Dale County | 432 | 6.612% | $5,390 | 6.25% |
| Jackson County | 394 | 6.625% | $6,310 | 6.375% |
| Tallapoosa County | 343 | 6.625% | $6,087 | 6.49% |
| Lawrence County | 311 | 6.625% | $6,599 | 6.5% |
| Chambers County | 270 | 6.625% | $6,756 | 6.624% |
| Pike County | 265 | 6.625% | $5,809 | 6.375% |
| Escambia County | 263 | 6.75% | $6,108 | 6.49% |
| Covington County | 254 | 6.75% | $5,478 | 6.25% |
| Geneva County | 225 | 6.75% | $5,357 | 6.49% |
| Cherokee County | 209 | 6.625% | $6,581 | 6.25% |
| Henry County | 206 | 6.5% | $5,794 | 6.25% |
| Randolph County | 200 | 6.625% | $6,736 | 6.25% |
| Marion County | 191 | 6.75% | $6,122 | 6.549% |
| Franklin County | 175 | 6.495% | $4,563 | 6.433% |
| Winston County | 173 | 6.75% | $5,626 | 6.25% |
| Dallas County | 158 | 6.625% | $5,480 | 6.375% |
| Fayette County | 155 | 6.75% | $5,884 | 6.375% |
| Bibb County | 154 | 7.125% | $5,949 | 6.374% |
| Clarke County | 153 | 6.75% | $5,874 | 6.5% |
| Cleburne County | 139 | 6.75% | $7,120 | 6.375% |
| Butler County | 129 | 6.875% | $5,363 | 6.625% |
| Washington County | 110 | 6.875% | $5,849 | 6.5% |
| Barbour County | 110 | 6.5% | $5,973 | 6.312% |
| Pickens County | 110 | 6.625% | $6,864 | 6.625% |
| Monroe County | 105 | 6.5% | $5,517 | 6.25% |
| Marengo County | 98 | 6.75% | $5,671 | 6.125% |
| Lamar County | 98 | 7.25% | $5,877 | 6.625% |
| Hale County | 91 | 6.75% | $7,078 | 6.75% |
| Clay County | 82 | 6.75% | $5,840 | 6.495% |
| Crenshaw County | 82 | 7.5% | $4,978 | 6.25% |
| Macon County | 68 | 7.25% | $4,814 | 6.375% |
| Coosa County | 61 | 6.99% | $5,894 | 6.5% |
| Lowndes County | 59 | 8.81% | $6,742 | 6.562% |
| Sumter County | 59 | 7.865% | $5,242 | 6.75% |
| Choctaw County | 56 | 7.67% | $5,625 | 6.125% |
| Conecuh County | 46 | 7.062% | $5,634 | 6.188% |
| Wilcox County | 40 | 8.75% | $5,133 | 6.5% |
| Perry County | 39 | 9.03% | $4,792 | 6.37% |
| Bullock County | 32 | 9.31% | $5,929 | 6.375% |
| Greene County | 20 | 8.34% | $6,056 | 6.188% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.