The median home in Chelsea, Alabama is valued at $376,213, up 0.8% year over year. Typical monthly rent is $2,204, producing a price-to-rent ratio of 14.2x — below the national average of 18x. Chelsea is part of the Birmingham-Hoover, AL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Birmingham-Hoover, AL stress score, crash risk, and 12-month forecast →

Home Value$376,213

+0.8%

Rent$2,204/mo

AFFORDABILITY

Enter your income for Chelsea.

Income (annual)

Down Payment

$75,243 on $376,213

Stretch — 35.7% of income

Above 28% but manageable with cuts.

PITI$2,231

P/I35.7%

Afford$295K

Gap-$81K

P&I $1,902Tax $129Ins $200

Renting $27/mo cheaper ($2,204 rent)6.50% 30yr, 20% down, county tax + AL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Alabama

Compare Chelsea with other housing markets across Alabama.

Mountain Brook$985K Orange Beach$665K Equality$637K Jacksons Gap$591K Indian Springs Village$569K Vestavia Hills$539K Homewood$533K Dadeville$508K

Full Birmingham-Hoover, AL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Birmingham-Hoover, AL metro.

View Birmingham-Hoover, AL metro →

CHELSEA, AL