Local
Learn about the people, housing, costs and businesses in Bay Minette, Alabama
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Bay Minette.
True all-in cost — P&I, taxes, insurance & utilities for homes in Bay Minette.
Find and compare lenders active near Bay Minette.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Bay Minette.
Seismic risk and earthquake insurance estimates for Bay Minette.
Wildfire exposure and insurance estimates for Bay Minette.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Bay Minette is approximately 6.902% (6.938% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Bay MinetteThe median home value in Bay Minette is $170k. The median monthly rent is $817. Annual property taxes average $570. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Bay Minette have increased 9.7% over the past two years. This represents moderate growth. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $846/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $36k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Bay Minette is $44k/year.
Calculate your buying powerThe largest employment sectors in Bay Minette are public administration (22%) and retail (11%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.