Total monthly cost of ownership
Cost to Own a Home in Camden, Alabama
A $110,000 home here costs
$994per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $566. The real number is $428 higher every month — 76% 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.
Camden against Wilcox County and Alabama
| Measure | Camden | Wilcox County |
|---|---|---|
| Median home value | $110,100 | $84,200 |
| Median property tax | $511 | $309 |
| Effective tax rate | 0.464% | 0.367% |
| Median gross rent | $567 | $699 |
| Population | 2,056 | 10,347 |
The weather behind that power bill
Camden sits in Wilcox County, which averages a high of 89.8°F in its hottest month and a low of 35.5°F in its coldest, with 56.94" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,985 cooling and 2,326 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Wilcox County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Wilcox County
No other places of this size are published in Wilcox County.
Common questions
How much does it cost to own a home in Camden?
A $110,000 home in Camden, Alabama costs approximately $994 per month with 20% down at 6.66%. That is $566 principal and interest, $43 property tax, $75 homeowners insurance, $219 utilities and $92 set aside for maintenance.
What is the property tax rate in Camden?
Camden has an effective property tax rate of 0.464%, based on a median home value of $110,100 and median real estate taxes of $511. That is higher than the Wilcox County average of 0.367%.
What is the average home price in Camden?
The median owner-occupied home value in Camden, Alabama is $110,100, against $84,200 across Wilcox County.
Is it cheaper to rent or buy in Camden?
Median gross rent in Camden is $567 a month, against $994 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 Camden — 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.