Local
Learn about the people, housing, costs and businesses in Owens Cross Roads, Alabama
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Owens Cross Roads.
True all-in cost — P&I, taxes, insurance & utilities for homes in Owens Cross Roads.
Find and compare lenders active near Owens Cross Roads.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Owens Cross Roads.
Seismic risk and earthquake insurance estimates for Owens Cross Roads.
Wildfire exposure and insurance estimates for Owens Cross Roads.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Owens Cross Roads is approximately 6.935% (6.973% 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 Owens Cross RoadsThe median home value in Owens Cross Roads is $255k. The median monthly rent is $934. Annual property taxes average $956. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Owens Cross Roads have increased 13.3% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,066/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $46k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Owens Cross Roads is $99k/year.
Calculate your buying powerThe largest employment sectors in Owens Cross Roads are healthcare (22%) and arts, food, and hospitality (21%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.