Local
Learn about the people, housing, costs and businesses in La Fayette, Alabama
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in La Fayette.
True all-in cost — P&I, taxes, insurance & utilities for homes in La Fayette.
Find and compare lenders active near La Fayette.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for La Fayette.
Seismic risk and earthquake insurance estimates for La Fayette.
Wildfire exposure and insurance estimates for La Fayette.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for La Fayette is approximately 7.012% (7.056% 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 La FayetteThe median home value in La Fayette is $99k. The median monthly rent is $620. Annual property taxes average $566. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in La Fayette have increased 0.1% over the past two years. The market has been relatively stable. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $576/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $25k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in La Fayette is $34k/year.
Calculate your buying powerThe largest employment sectors in La Fayette are retail (23%) and public administration (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.