Total monthly cost of ownership
Cost to Own a Home in Atmore, Alabama
A $129,000 home here costs
$1,126per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $663. The real number is $463 higher every month — 70% 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.
Atmore against Escambia County and Alabama
| Measure | Atmore | Escambia County |
|---|---|---|
| Median home value | $128,900 | $122,700 |
| Median property tax | $587 | $485 |
| Effective tax rate | 0.455% | 0.395% |
| Median gross rent | $703 | $709 |
| Population | 8,389 | 36,695 |
The weather behind that power bill
Atmore sits in Escambia County, which averages a high of 89.4°F in its hottest month and a low of 37.8°F in its coldest, with 61.47" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,156 cooling and 1,932 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Escambia County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Escambia County
Full Escambia County cost breakdown · Every county in Alabama
Common questions
How much does it cost to own a home in Atmore?
A $129,000 home in Atmore, Alabama costs approximately $1,126 per month with 20% down at 6.66%. That is $663 principal and interest, $49 property tax, $88 homeowners insurance, $219 utilities and $108 set aside for maintenance.
What is the property tax rate in Atmore?
Atmore has an effective property tax rate of 0.455%, based on a median home value of $128,900 and median real estate taxes of $587. That is higher than the Escambia County average of 0.395%.
What is the average home price in Atmore?
The median owner-occupied home value in Atmore, Alabama is $128,900, against $122,700 across Escambia County.
Is it cheaper to rent or buy in Atmore?
Median gross rent in Atmore is $703 a month, against $1,126 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 Atmore — 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.