WhereCanIAfford › Birmingham, AL › On $175,000

Is Birmingham, AL affordable on a $175,000 salary?

YES On $175,000/yr, the typical $263,726 home in Birmingham, AL needs $79,229/yr ($1,849/mo). Your gap: +$95,771 — housing would be 12.7% of your gross income.

The math

263,726 price − 10% down (26,373) = 237,353 loan
30-yr fixed at 6.69% on 237,353 = 1,530/mo principal+interest
+ 319/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,849/mo PITI ÷ 0.28 = 6,602/mo → 79,229/yr required

against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).

What salary WOULD clear Birmingham, AL?

You need about $79,229/yr for the typical home. On $175,000 you already clear it by $95,771.

On $150,000? On $200,000? On $225,000?

See the full Birmingham, AL affordability breakdown → or every metro you can afford on $175,000 →