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📍 Highland Lake, AL · Zillow ZHVI · July 2026

Average Home Price in
Highland Lake, AL

Birmingham-Hoover, AL metro area · Blount County County

Median Home Value
$299,108
↓ 4.1% year-over-year
vs. National Median
$410,000
Highland Lake is 27% below
Est. Monthly Payment
$1,560/mo
20% down · 6.8% rate
Income Needed
$79K
gross annual (30% rule)
Median Home Value
$299,108
↓ 4.1% year-over-year
Down Payment (20%)$59,822
Monthly P&I$1,560/mo
With Taxes & Ins.~$1,981/mo
Income Needed$79,240/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Highland Lake, AL

The median home value in Highland Lake, AL is $299,108 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 4.1% compared to a year ago and up 5.6% from two years prior.

Compared to the U.S. national median of $410,000, homes in Highland Lake are priced27% below average. Highland Lake is part of the Birmingham-Hoover, AL metro area.

City Comparison

Highland Lake vs. National Median

🏠 Highland Lake
$299,108
National Median
$410,000

At $299,108, homes in Highland Lake cost 27% below the national median of $410,000. This makes Highland Lake a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Highland Lake?

20% Down Payment
$59,822
on $299,108
Monthly P&I
$1,560/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,981/mo
incl. taxes & insurance
Income Needed
$79,240
gross annual (30% rule)
10% Down Option
$29,911
+ PMI applies
Loan Amount (20% dn)
$239,286
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 Highland Lake, AL?
The median home value in Highland Lake is $299,108 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 4.1% year-over-year.
How much have home prices changed in Highland Lake?
Over the past year, home values in Highland Lake have decreased by 4.1%.
How much do I need to earn to buy a home in Highland Lake?
To comfortably afford the median home price of $299,108 with a 20% down payment ($59,822) at today's rates (6.8%), you'd need a gross annual income of approximately $79,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Highland Lake compare to the national average home price?
The national median home value is approximately $410,000. At $299,108, homes in Highland Lake are 27% below the national average.
What metro area is Highland Lake part of?
Highland Lake is part of the Birmingham-Hoover, AL metropolitan area. Home prices and market conditions can vary across the broader metro region.