Market Overview
Home Prices in Owens Cross Roads, AL
The median home value in Owens Cross Roads, AL is $436,330 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.4% compared to a year ago and up 1.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Owens Cross Roads are priced6% above average. Owens Cross Roads is part of the Huntsville, AL metro area.
Over the past five years, Owens Cross Roads home values have risen by approximately21.4%, reflecting strong long-term appreciation in this market.
Price History
Owens Cross Roads Home Price Trend
City Comparison
Owens Cross Roads vs. National Median
At $436,330, homes in Owens Cross Roads cost 6% above the national median of $410,000. Buyers in Owens Cross Roads should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Owens Cross Roads?
20% Down Payment
$87,266
on $436,330
Monthly P&I
$2,276/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,891/mo
incl. taxes & insurance
Income Needed
$115,640
gross annual (30% rule)
10% Down Option
$43,633
+ PMI applies
Loan Amount (20% dn)
$349,064
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 Owens Cross Roads, AL?
The median home value in Owens Cross Roads is $436,330 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.4% year-over-year.
How much have home prices changed in Owens Cross Roads?
Over the past year, home values in Owens Cross Roads have increased by 1.4%. Over five years, prices have risen approximately 21.4%.
How much do I need to earn to buy a home in Owens Cross Roads?
To comfortably afford the median home price of $436,330 with a 20% down payment ($87,266) at today's rates (6.8%), you'd need a gross annual income of approximately $115,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Owens Cross Roads compare to the national average home price?
The national median home value is approximately $410,000. At $436,330, homes in Owens Cross Roads are 6% above the national average.
What metro area is Owens Cross Roads part of?
Owens Cross Roads is part of the Huntsville, AL metropolitan area. Home prices and market conditions can vary across the broader metro region.