Compare Athens, AL mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Athens.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Athens. Plus, shopping lenders is free and there is no obligation.
August 22, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Athens. Understand how much you need to earn to afford a home in Athens, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Athens fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Athens is right for you.
The median home value for Athens, AL (Limestone County) is $254,343
Based on current mortgage rates and a 10% down payment, you need to make $53,060 per year to buy the median priced home in Athens
With this income, you could qualify for a $228,909 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Athens is $1,229
The median household income for Athens, AL (Limestone County) is $67,771
Based on this income, you can afford a home valued at approximately $324,861
The home price you can afford to buy based on household income in Athens is 128% of the median home value which means housing prices are average. Athens (Limestone County) ranks 62 out of 67 counties in Alabama and 2,374 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Athens, AL is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Athens (Limestone County) below.
Conforming loan limits for Athens, AL
FHA loan limits for Athens, AL