Montgomery, Alabama.
Typical home $149,943 (+1.7% in a year), asking rent $1,305 (+2.4%). Montgomery, AL metro.
to buy the typical home at today's mortgage rate — +$393 (+100%) since Jan 2020.
- 1 year
- Up $2,518 +2%
- $147,425$149,943 since Sep 2025
- 5 years
- Up $25,262 +20%
- $124,681$149,943 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Montgomery$787
- Alabama$1,252
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 19 years.
Typical home values in Montgomery, AL rose 1.7% over the past year — faster than the nation's +1.2%.
Asking rents in Montgomery, AL rose 2.4% over the past year — slower than the nation's +2.7%.
Owning the typical home in Montgomery runs $306/mo less than renting one. The gap peaked at $445 in Sep 2021.
That is $999 a month against $1,305 rent: a $787 mortgage payment, plus $51 property tax and $161 insurance & upkeep.
Owning vs renting — Montgomery
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$999
- Renting$1,305
- Mortgage only$787
Property tax · $51/mo 0.41% of value a year — the ACS 2020-2024 median bill over the median home value for Montgomery County, AL
Insurance & upkeep · $161/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Montgomery, Montgomery County, Alabama
Montgomery is a city of 200,603 people in Montgomery County. Half its households earn more than $56,811 a year and half less, against $59,386 across Montgomery County; 22% of its people live below the poverty line. 54% of its homes are lived in by their owners and 46% are rented. Unemployment in Montgomery was 4.1% in August 2026, and Montgomery County had 0.6% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Montgomery is the capital of Alabama and a city of real size, with a population on the younger side and incomes a little below the county's as a whole. More households here rent than in many places, and a good share of residents live below the poverty line. Winters are mild, with the coldest weather in January still staying above freezing by day, and summers are hot, with plenty of rain across the year.
Work. Many residents work in schools, hospitals and social care, with manufacturing, professional and business services, and shops also employing a good number. Among the largest workplaces in Montgomery are Hyundai Motor Manufacturing Alabama, Montgomery County Schools and Baptist Medical Center South. Unemployment has risen a little over the past year, and the county has lost a small share of its jobs, while a typical commute is fairly short.
Things to do. The Rosa Parks Museum is a short drive away and tells the story of the bus boycott that began in the city. The Montgomery Zoo is also a short drive away, and the Alabama Department of Archives and History is a museum in or beside town. The Coosa River, a short drive away, offers a place to be on the water.
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- 81,241households
- 34%of adults have a degree
- 22%below the poverty line
- 21 mintypical commute
- 8%work from home
What residents work in
Employed residents by industry, from the Census survey. Montgomery County had 132,159 jobs in 2025, 0.6% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 60° and lows near 40°; warmest in July, with highs near 94° and lows near 75°. About 52 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Montgomery 6SW weather station, 7 miles away (NOAA).
Largest workplaces in Montgomery
- Hyundai Motor Manufacturing AlabamaAssembly plants, passenger car, on chassis of own manufacture4,418
- Montgomery County SchoolsSchool district2,685FTE
- Baptist Medical Center SouthGeneral hospital1,969FTE
- Jackson Hospital and ClinicGeneral hospital1,533FTE
- Koch Foods of AL DebonePoultry manufacturing1,164
- UPSCouriers and express delivery services1,091
- Baptist Medical Center EastGeneral hospital993FTE
- Alabama State UniversityUniversity or college932
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 175 workplaces with 20 or more staff, 29,449 people in all. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningRelatively high
- TornadoesRelatively high
- Heat wavesrelatively high in parts of MontgomeryRelatively moderate
- Strong windRelatively moderate
- Inland floodingrelatively high in parts of MontgomeryRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Montgomery’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Montgomery County and the Montgomery, AL metro.
Montgomery home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Montgomery$149,943
- Alabama$238,614
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Montgomery listings, and the typical home goes pending in 38 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Montgomery24.75%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Montgomery38
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Montgomery1,067
New listings per month
Sellers arriving at the market.
- Montgomery219
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Montgomery$155,917
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Montgomery95.79%
Zip codes with a Montgomery address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Montgomery — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Montgomery
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 36117 | Montgomery | 53,172 | $1,370 | $254,780 |
| 36116 | Montgomery | 45,250 | $1,353 | $147,802 |
| 36109 | Montgomery | 23,581 | $1,267 | $154,256 |
| 36108 | Montgomery | 14,766 | — | $64,011 |
| 36106 | Montgomery | 14,065 | $1,278 | $194,192 |
| 36110 | Montgomery | 12,102 | $1,024 | $50,117 |
| 36111 | Montgomery | 11,938 | $1,275 | $152,700 |
| 36104 | Montgomery | 10,535 | $1,471 | $57,872 |
| 36105 | Montgomery | 9,207 | $994 | $43,655 |
| 36107 | Montgomery | 8,001 | $1,009 | $67,299 |