Market Overview
Home Prices in Phil Campbell, AL
The median home value in Phil Campbell, AL is $187,489 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.8% compared to a year ago and up 0.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Phil Campbell are priced54% below average.
Over the past five years, Phil Campbell home values have risen by approximately20.2%, reflecting strong long-term appreciation in this market.
Price History
Phil Campbell Home Price Trend
2020
$135,323
$135K
—
2021
$155,993
$156K
+15.3%
2022
$172,687
$173K
+10.7%
2023
$195,061
$195K
+13.0%
2024
$194,841
$195K
-0.1%
2025
$194,992
$195K
+0.1%
2026
$187,489
$187K
-3.8%
City Comparison
Phil Campbell vs. National Median
🏠 Phil Campbell
$187,489
National Median
$410,000
At $187,489, homes in Phil Campbell cost 54% below the national median of $410,000. This makes Phil Campbell a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Phil Campbell?
20% Down Payment
$37,498
on $187,489
Monthly P&I
$978/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,242/mo
incl. taxes & insurance
Income Needed
$49,680
gross annual (30% rule)
10% Down Option
$18,749
+ PMI applies
Loan Amount (20% dn)
$149,991
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 Phil Campbell, AL?
The median home value in Phil Campbell is $187,489 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.8% year-over-year.
How much have home prices changed in Phil Campbell?
Over the past year, home values in Phil Campbell have decreased by 3.8%. Over five years, prices have risen approximately 20.2%.
How much do I need to earn to buy a home in Phil Campbell?
To comfortably afford the median home price of $187,489 with a 20% down payment ($37,498) at today's rates (6.8%), you'd need a gross annual income of approximately $49,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Phil Campbell compare to the national average home price?
The national median home value is approximately $410,000. At $187,489, homes in Phil Campbell are 54% below the national average.