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Learn about the people, housing, costs and businesses in Phil Campbell, Alabama
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Phil Campbell.
True all-in cost — P&I, taxes, insurance & utilities for homes in Phil Campbell.
Find and compare lenders active near Phil Campbell.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Phil Campbell.
Seismic risk and earthquake insurance estimates for Phil Campbell.
Wildfire exposure and insurance estimates for Phil Campbell.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Phil Campbell is approximately 6.966% (7.005% 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 Phil CampbellThe median home value in Phil Campbell is $134k. The median monthly rent is $659. Annual property taxes average $434. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Phil Campbell have increased 18.0% 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 $661/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $28k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Phil Campbell is $55k/year.
Calculate your buying powerThe largest employment sectors in Phil Campbell are public administration (29%) and retail (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.