Total monthly cost of ownership
Cost to Own a Home in Andalusia, Alabama
A $156,000 home here costs
$1,296per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $802. The real number is $494 higher every month — 62% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Andalusia against Covington County and Alabama
| Measure | Andalusia | Covington County |
|---|---|---|
| Median home value | $156,000 | $142,500 |
| Median property tax | $462 | $358 |
| Effective tax rate | 0.296% | 0.251% |
| Median gross rent | $680 | $736 |
| Population | 8,841 | 37,647 |
The weather behind that power bill
Andalusia sits in Covington County, which averages a high of 93.9°F in its hottest month and a low of 41.1°F in its coldest, with 59.11" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,912 cooling and 1,494 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Covington County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Covington County
Full Covington County cost breakdown · Every county in Alabama
Common questions
How much does it cost to own a home in Andalusia?
A $156,000 home in Andalusia, Alabama costs approximately $1,296 per month with 20% down at 6.66%. That is $802 principal and interest, $38 property tax, $106 homeowners insurance, $219 utilities and $130 set aside for maintenance.
What is the property tax rate in Andalusia?
Andalusia has an effective property tax rate of 0.296%, based on a median home value of $156,000 and median real estate taxes of $462. That is higher than the Covington County average of 0.251%.
What is the average home price in Andalusia?
The median owner-occupied home value in Andalusia, Alabama is $156,000, against $142,500 across Covington County.
Is it cheaper to rent or buy in Andalusia?
Median gross rent in Andalusia is $680 a month, against $1,296 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Andalusia — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Alabama.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.