Market Overview
Home Prices in Fort Payne, AL
The median home value in Fort Payne, AL is $210,307 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.7% compared to a year ago and up 4.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Fort Payne are priced49% below average. Fort Payne is part of the Fort Payne, AL metro area.
Over the past five years, Fort Payne home values have risen by approximately25.8%, reflecting strong long-term appreciation in this market.
Price History
Fort Payne Home Price Trend
City Comparison
Fort Payne vs. National Median
At $210,307, homes in Fort Payne cost 49% below the national median of $410,000. This makes Fort Payne a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Fort Payne?
20% Down Payment
$42,061
on $210,307
Monthly P&I
$1,097/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,393/mo
incl. taxes & insurance
Income Needed
$55,720
gross annual (30% rule)
10% Down Option
$21,031
+ PMI applies
Loan Amount (20% dn)
$168,246
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Fort Payne, AL?
The median home value in Fort Payne is $210,307 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.7% year-over-year.
How much have home prices changed in Fort Payne?
Over the past year, home values in Fort Payne have increased by 1.7%. Over five years, prices have risen approximately 25.8%.
How much do I need to earn to buy a home in Fort Payne?
To comfortably afford the median home price of $210,307 with a 20% down payment ($42,061) at today's rates (6.8%), you'd need a gross annual income of approximately $55,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Fort Payne compare to the national average home price?
The national median home value is approximately $410,000. At $210,307, homes in Fort Payne are 49% below the national average.
What metro area is Fort Payne part of?
Fort Payne is part of the Fort Payne, AL metropolitan area. Home prices and market conditions can vary across the broader metro region.