Photo: Rivers Langley; SaveRivers · CC BY-SA 3.0Measured against area pay, Eufaula costs less to live in than 59% of U.S. towns
It ranks #125 of 187 in Alabama for affordability. Up 4.6% in a year, 29% below the Alabama typical home.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Eufaula, AL-GA micro area ($45K). How TownRatings grades cost of living
Only 4 sales in May 2026: in a market this size, monthly medians swing a lot, so the typical value is the steadier guide.
The grade compares costs with what households across the Eufaula-area micro earn ($45K, Census 2020–24). The typical home costs 3.1 years of area income, and 35% of renters pay 30% or more of income for housing.
In dollars
- $170Ktypical home, 29% below the Alabama typical homeZillow, September 2026
- $990a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
In paychecks the grade
- 3.1 yrsof area income buys the typical home; the typical U.S. town: 3.3$45K, Eufaula-area income
- 19%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 35%of renters pay 30%+ of income for housing; across Alabama: 49%Census 2020–24
- 25%of owners do; the typical U.S. town: 20%Census 2020–24
The short version on homes in Eufaula
Rent is easier on renters here
35% of renter households spend 30% or more of their income on rent, against 49% across Alabama. A standard two-bedroom is 25% of the median household income. Renting ↓
A burst of building in 2023
Eufaula permitted 64 new homes in 2023, 63% of them in buildings with two or more homes, against about 13 in a typical year of the past decade. 2025 came in at 14. New homes ↓
Owning can cost less than renting
With 20% down at the calculator’s rate, the typical Eufaula home runs about $950 a month with tax and insurance. A two-bedroom rents for about $990. Can I afford it? ↓
Fewer people, more homes
Between the 2010 and 2020 censuses, Eufaula lost 255 residents while 110 new homes were permitted. New homes ↓
Written from the data on this page. Home values are the Zillow Home Value Index, through September 2026; permits are Census figures through 2025; incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind Eufaula’s grade
Measured against what households in the area earn, Eufaula is more affordable than 59% of U.S. towns, #125 of 187 in Alabama. The share of households paying 30%+ for housing pulls the grade down most; property tax holds it up.
Values have lagged Alabama: the typical Eufaula home is up 11.1% in five years, against 16.8% statewide (Zillow).
Up 11.1% in five years
Slower than Alabama (16.8%).
Show as a table
| January | Eufaula | Alabama |
|---|---|---|
| 2017 | $109,000 | $145,000 |
| 2018 | $114,000 | $150,000 |
| 2019 | $117,000 | $156,000 |
| 2020 | $125,000 | $167,000 |
| 2021 | $136,000 | $185,000 |
| 2022 | $160,000 | $212,000 |
| 2023 | $165,000 | $226,000 |
| 2024 | $161,000 | $230,000 |
| 2025 | $166,000 | $235,000 |
| 2026 | $164,000 | $236,000 |
| September 2026 | $170,000 | $239,000 |
A typical Eufaula home worth $107K in October 2016 is worth about $170K today.
Zillow Home Value Index: the typical value of all homes (middle third), smoothed and seasonally adjusted, through September 2026.
A typical home costs 3.1 years of area income
The calculator starts from the area income the grade uses. Switch to Eufaula’s own median, or type yours.
That covers a typical Eufaula home, with $17K to spare.
A two-bedroom rents for about $990 a month here, $40 more than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Eufaula’s typical property tax (0.45% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $990
Renters already here pay a median of $698, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Columbus, GA-AL HUD Metro FMR Area): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
14 new homes permitted in 2025
Builders were permitted 14 new homes in Eufaula in 2025, all single-family houses, worth about $4 million to build. That's 1.1 per 1,000 residents, slower than across Alabama (5.4). Over the past 10 years, Eufaula has permitted 177 homes in all.
Between the 2010 and 2020 censuses, Eufaula's population fell by 255 even though 110 new homes were permitted. Homes are holding fewer people: households are getting smaller, or more homes are used part of the year. Across Alabama: 1.8 new residents per new home.
Every year as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 10 | 10 | 0 | $3.6 million |
| 2025 | 14 | 14 | 0 | $4 million |
| 2024 | 34 | 14 | 20 | $12.4 million |
| 2023 | 64 | 24 | 40 | $10.1 million |
| 2022 | 20 | 20 | 0 | $6.9 million |
| 2021 | 12 | 12 | 0 | $3 million |
| 2020 | 12 | 10 | 2 | $2.9 million |
| 2019 | 9 | 9 | 0 | $2.3 million |
| 2018 | 6 | 6 | 0 | $1.5 million |
| 2017 | 3 | 3 | 0 | $901,000 |
| 2016 | 3 | 3 | 0 | $686,000 |
| 2015 | 10 | 10 | 0 | $3.3 million |
| 2014 | 8 | 6 | 2 | $1.6 million |
| 2013 | 5 | 5 | 0 | $1 million |
| 2012 | 2 | 2 | 0 | $405,000 |
| 2011 | 54 | 14 | 40 | $7.3 million |
| 2010 | 10 | 10 | 0 | $2.3 million |
| 2009 | 11 | 11 | 0 | $2.7 million |
| 2008 | 14 | 14 | 0 | $3.8 million |
| 2007 | 24 | 24 | 0 | $3.5 million |
| 2006 | 25 | 25 | 0 | $4.2 million |
| 2005 | 23 | 23 | 0 | $3.1 million |
| 2004 | 17 | 17 | 0 | $2.2 million |
| 2003 | 15 | 15 | 0 | $1.6 million |
| 2002 | 20 | 20 | 0 | $1.5 million |
| 2001 | 22 | 22 | 0 | $2.3 million |
| 2000 | 67 | 27 | 40 | $4.2 million |
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.
Low tax bills, but a high tax rate
The median bill is $630, under the Alabama median of $788, because homes cost less. As a share of value it’s 0.45% a year, against 0.38% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
Eufaula vs. its neighbors
Of the 1 towns here with a Zillow value, Eufaula has the lowest. Georgetown has no Zillow value, so it is in the table only.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, September 2026 | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Eufaula | B | $170K | $140K | 0.45% | $990 |
| Georgetown | B | — | $105K | — | $1,000 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures.
Questions about the cost of living in Eufaula
Is Eufaula expensive to live in?
Measured against what households in the area earn, Eufaula costs less than 59% of U.S. towns: a B for cost of living, #125 of 187 in Alabama. The typical home costs 3.1 years of the median household income of the Eufaula, AL-GA micro area ($45K).
How much does a house cost in Eufaula?
About $170K, Zillow’s typical value for September 2026, up 4.6% in a year. The Alabama typical home is $239K.
What salary do you need to live in Eufaula?
To buy the typical home with 20% down at 6.3%, about $41,000 a year, keeping the payment (about $950 a month with tax and insurance) at 28% of income. To rent a two-bedroom at 30% of income, about $40,000.
How much is rent in Eufaula?
HUD puts a two-bedroom at about $990 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $698 (Census 2020–24).
What are property taxes in Eufaula?
The median bill is $630 a year, 0.45% of the median home value (Alabama: $788, 0.38%), from the Census 2020–24.
Are home prices in Eufaula going up?
Yes: up 4.6% in the past year and 11.1% in five years, against 16.8% across Alabama (Zillow).
Neighbors talk housing
What Eufaula buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, September 2026. Sales, days on market and supply: Redfin Data Center, May 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.