Total monthly cost of ownership
Cost to Own a Home in Bon Secour, Alabama
A $266,000 home here costs
$2,162per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $92,500 a year.
A standard mortgage calculator would have told you $1,450. The real number is $712 higher every month, 49% more than the payment most buyers budget for.
Compare Baldwin County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Bon Secour from a five-year rolling sample, and with about 3,094 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Baldwin County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Bon Secour against Baldwin County and Alabama
| Measure | Bon Secour | Baldwin County |
|---|---|---|
| Median home value | $266,100 | $287,000 |
| Median property tax | $653 | $881 |
| Effective tax rate | 0.245% | 0.307% |
| Median gross rent | — | $1,211 |
| Population | 3,094 | 239,945 |
The weather behind that power bill
Bon Secour sits in Baldwin County, which averages a high of 88.7°F in its hottest month and a low of 39.3°F in its coldest, with 65.76" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,193 cooling and 1,800 heating degree days, which is what sets the $187 electricity line above.
See the full climate breakdown for Baldwin County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Baldwin County
Full Baldwin County cost breakdown · Every county in Alabama
Talk to someone who works this market
These are Bon Secour averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Bon Secour every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Bon Secour I already own here and may sell
Common questions
How much does it cost to own a home in Bon Secour?
A $266,000 home in Bon Secour, Alabama costs approximately $2,162 per month with 20% down at 7.24%. That is $1,450 principal and interest, $54 property tax, $182 homeowners insurance, $255 utilities and $222 set aside for maintenance.
What is the property tax rate in Bon Secour?
Bon Secour has an effective property tax rate of 0.245%, based on a median home value of $266,100 and median real estate taxes of $653. That is lower than the Baldwin County average of 0.307%.
What is the average home price in Bon Secour?
The median owner-occupied home value in Bon Secour, Alabama is $266,100, against $287,000 across Baldwin County.
Is it cheaper to rent or buy in Bon Secour?
Rent data is not published for Bon Secour at this level of detail.
What salary do you need to buy a home in Bon Secour?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Bon Secour, Alabama at today's rate takes a household income of roughly $92,500 a year. That covers the full $2,162 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bon Secour, 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.