Market Overview
Home Prices in Oneonta, AL
The median home value in Oneonta, AL is $218,739 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.1% compared to a year ago and up 0.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Oneonta are priced47% below average. Oneonta is part of the Birmingham-Hoover, AL metro area.
Over the past five years, Oneonta home values have risen by approximately14.0%, reflecting steady appreciation in this market.
Price History
Oneonta Home Price Trend
City Comparison
Oneonta vs. National Median
At $218,739, homes in Oneonta cost 47% below the national median of $410,000. This makes Oneonta a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Oneonta?
20% Down Payment
$43,748
on $218,739
Monthly P&I
$1,141/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,449/mo
incl. taxes & insurance
Income Needed
$57,960
gross annual (30% rule)
10% Down Option
$21,874
+ PMI applies
Loan Amount (20% dn)
$174,991
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 Oneonta, AL?
The median home value in Oneonta is $218,739 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.1% year-over-year.
How much have home prices changed in Oneonta?
Over the past year, home values in Oneonta have increased by 1.1%. Over five years, prices have risen approximately 14.0%.
How much do I need to earn to buy a home in Oneonta?
To comfortably afford the median home price of $218,739 with a 20% down payment ($43,748) at today's rates (6.8%), you'd need a gross annual income of approximately $57,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Oneonta compare to the national average home price?
The national median home value is approximately $410,000. At $218,739, homes in Oneonta are 47% below the national average.
What metro area is Oneonta part of?
Oneonta is part of the Birmingham-Hoover, AL metropolitan area. Home prices and market conditions can vary across the broader metro region.