Total monthly cost of ownership
Cost to Own a Home in Camp Hill, Alabama
A $95,000 home here costs
$875per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $488. The real number is $387 higher every month — 79% 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.
Camp Hill against Tallapoosa County and Alabama
| Measure | Camp Hill | Tallapoosa County |
|---|---|---|
| Median home value | $95,000 | $144,800 |
| Median property tax | $289 | $450 |
| Effective tax rate | 0.304% | 0.311% |
| Median gross rent | $666 | $734 |
| Population | 1,098 | 41,070 |
The weather behind that power bill
Camp Hill sits in Tallapoosa County, which averages a high of 90.0°F in its hottest month and a low of 30.2°F in its coldest, with 56.52" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,602 cooling and 2,958 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Tallapoosa County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Tallapoosa County
Full Tallapoosa County cost breakdown · Every county in Alabama
Common questions
How much does it cost to own a home in Camp Hill?
A $95,000 home in Camp Hill, Alabama costs approximately $875 per month with 20% down at 6.66%. That is $488 principal and interest, $24 property tax, $65 homeowners insurance, $219 utilities and $79 set aside for maintenance.
What is the property tax rate in Camp Hill?
Camp Hill has an effective property tax rate of 0.304%, based on a median home value of $95,000 and median real estate taxes of $289. That is in line with the Tallapoosa County average of 0.311%.
What is the average home price in Camp Hill?
The median owner-occupied home value in Camp Hill, Alabama is $95,000, against $144,800 across Tallapoosa County.
Is it cheaper to rent or buy in Camp Hill?
Median gross rent in Camp Hill is $666 a month, against $875 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 Camp Hill — 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.