Total monthly cost of ownership
Cost to Own a Home in Ballplay, Alabama
A $153,000 home here costs
$1,269per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $787. The real number is $482 higher every month — 61% 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.
Ballplay against Etowah County and Alabama
| Measure | Ballplay | Etowah County |
|---|---|---|
| Median home value | $152,800 | $160,600 |
| Median property tax | $378 | $585 |
| Effective tax rate | 0.247% | 0.364% |
| Median gross rent | — | $807 |
| Population | 1,149 | 103,208 |
The weather behind that power bill
Ballplay sits in Etowah County, which averages a high of 90.9°F in its hottest month and a low of 32.8°F in its coldest, with 57.64" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,018 cooling and 2,782 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Etowah County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Etowah County
Common questions
How much does it cost to own a home in Ballplay?
A $153,000 home in Ballplay, Alabama costs approximately $1,269 per month with 20% down at 6.66%. That is $787 principal and interest, $31 property tax, $104 homeowners insurance, $219 utilities and $128 set aside for maintenance.
What is the property tax rate in Ballplay?
Ballplay has an effective property tax rate of 0.247%, based on a median home value of $152,800 and median real estate taxes of $378. That is lower than the Etowah County average of 0.364%.
What is the average home price in Ballplay?
The median owner-occupied home value in Ballplay, Alabama is $152,800, against $160,600 across Etowah County.
Is it cheaper to rent or buy in Ballplay?
Rent data is not published for Ballplay at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Ballplay — 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.