Fix & Flip Calculator — Birmingham, AL

Pre-filled with 2026 Birmingham numbers so you're underwriting to the local market, not to national averages.

Median ARV: $215,000
Median purchase: $155,000
Avg rehab: $34,000
Days on market: 26 days
Property tax: 0.4%
Insurance / yr: $1,700
Hard money rate: 12%
Typical hold: 5–6 months

Deal inputs

Adjust anything — results update instantly.

The deal

After-repair value (ARV)

What the finished home sells for at retail.Purchase price

Rehab budget

Add 15% contingency to your line-item estimate.Holding period

months

Financing

Loan-to-cost

90%

Typical hard money: 85–90% LTC.Interest rate

Loan points

Origination points paid on the loan amount.

Holding costs (monthly)

Property tax

% / yr

Applied to ARV over the holding period.Insurance (annual)

Utilities / month

HOA / month

Transaction costs

Purchase closing costs

% of purchase

Selling costs

% of ARV

Agent commission + closing on the sale.

Projected net profit

-$10,238

ROI (cash)

-27.0%

Annualized

-54.0%

70% Rule check

Fails

Max allowable offer at 70% of ARV minus rehab:

$116,500

You're $38,500 over the rule.

75%

$127,250

70%

$116,500

80%

$138,000

Cost breakdown

Purchase price: $155,000
Rehab budget: $34,000
Interest: $10,206
Loan points: $3,402
Property tax: $430
Insurance: $850
Utilities: $1,050
Purchase closing: $3,100
Selling costs: $17,200
Total project cost: $225,238
Cash in deal (down + rehab out-of-pocket): $18,900
Break-even sale price: $225,238

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What's different about flipping in Birmingham

The lowest property taxes in the country make Birmingham holding costs very manageable, but tornado/wind insurance adds real cost.

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