Alabama · Census, HUD and BEA figures · Updated

Cost of Living in Baldwin County, AL

Prices around Baldwin County, AL run 5.3% below the U.S. average (BEA, the metro area). The typical household there earns $78,775 a year, and HUD puts a two-bedroom at $1,345 a month. Keeping that rent under 30% of income takes about $53,800 a year.

Baldwin County, AL at a glance

Median household income

$78,775$6,565 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,345HUD FY2026 Fair Market Rent
Price level (U.S. = 100)94.7-5.3% · BEA, the metro area
Electricity16.4¢per kWh · EIA Residential AL
Population246,989Census ACS 5-year estimate

How much rent can you afford in Baldwin County, AL?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,345Monthly market rent
Share of gross income20.5%Recommended max: 30%
Annual income needed$53,800To meet the 30% standard
Max affordable rent$1,969At 30% of $78,775
0%30% (Affordability standard)100%
Compare against:

How much is rent in Baldwin County, AL? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Daphne-Fairhope-Foley, AL MSA, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Baldwin County, AL, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$1,094$13,128$43,76016.7%
1-Bedroom Apartment$1,200$14,400$48,00018.3%
2-Bedroom ApartmentBenchmark$1,345$16,140$53,80020.5%
3-Bedroom Home$1,692$20,304$67,68025.8%
4-Bedroom Home$2,171$26,052$86,84033.1%

Rent in Baldwin County, AL, with the wage each unit needs →

What a typical income covers in Baldwin County, AL

The 50/30/20 rule applied to the local median of $78,775 a year ($6,565 a month before tax).

Needs (50%)$3,282/moRent ($1,345 2-BR), utilities (~$148/mo), groceries, transit
Wants (30%)$1,969/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,313/moEmergency fund, retirement, paying down loans

What $78,775 leaves after Alabama taxes

Federal income tax, Social Security, Medicare and Alabama tax on the local median income. Change the salary to see yours.

$78,775
$30,000$160,000
Filing status:
Gross salary breakdown$78,775
Net 77%
Fed 11%
AL 4%
FICA 8%
Annual take-home$60,974After all taxes
Monthly deposit$5,081Estimated per month
Biweekly paycheck$2,345Every 2 weeks (26/yr)
Effective tax rate22.6%Total tax burden
Federal income tax$8,501 / yr
Alabama state income tax$3,274 / yr
FICA (Social Security & Medicare)$6,026 / yr

Living in Baldwin County, AL: common questions

What is the median household income in Baldwin County, AL?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Baldwin County, AL is $78,775 per year (approximately $6,565 per month).

What is the average rent in Baldwin County, AL?

The closest official figure is HUD's Fair Market Rent for 2026: $1,094 for a studio, $1,200 for one bedroom, $1,345 for two, $1,692 for three and $2,171 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Baldwin County, AL expensive to live in?

Prices there run 5.3% below the U.S. average. BEA's regional price parity for the metro area is 94.7, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Baldwin County, AL?

To keep a $1,345 two-bedroom under 30% of gross income, a household needs about $53,800 a year, or $4,483 a month. That is 68% of what the typical household in Baldwin County, AL earns.

How much do you need to live comfortably in Baldwin County, AL?

On the local median income of $78,775 ($6,565 a month before tax), the 50/30/20 rule leaves $3,282 a month for needs like rent, utilities and groceries, $1,969 for everything else and $1,313 for savings or debt. A two-bedroom at $1,345 takes 41% of the needs share.

How much is the electric bill in Baldwin County, AL?

Homes in Alabama paid 16.4¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $148. Your bill depends mostly on heating and cooling.