Total monthly cost of ownership
Cost to Own a Home in Eufaula, Alabama
A $137,000 home here costs
$1,177per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $704. The real number is $473 higher every month — 67% 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.
Eufaula against Barbour County and Alabama
| Measure | Eufaula | Barbour County |
|---|---|---|
| Median home value | $137,400 | $109,900 |
| Median property tax | $558 | $415 |
| Effective tax rate | 0.406% | 0.378% |
| Median gross rent | $660 | $644 |
| Population | 12,664 | 24,757 |
The weather behind that power bill
Eufaula sits in Barbour County, which averages a high of 91.3°F in its hottest month and a low of 37.0°F in its coldest, with 55.64" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,264 cooling and 2,117 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Barbour County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Barbour County
Full Barbour County cost breakdown · Every county in Alabama
Common questions
How much does it cost to own a home in Eufaula?
A $137,000 home in Eufaula, Alabama costs approximately $1,177 per month with 20% down at 6.66%. That is $704 principal and interest, $46 property tax, $94 homeowners insurance, $219 utilities and $114 set aside for maintenance.
What is the property tax rate in Eufaula?
Eufaula has an effective property tax rate of 0.406%, based on a median home value of $137,400 and median real estate taxes of $558. That is higher than the Barbour County average of 0.378%.
What is the average home price in Eufaula?
The median owner-occupied home value in Eufaula, Alabama is $137,400, against $109,900 across Barbour County.
Is it cheaper to rent or buy in Eufaula?
Median gross rent in Eufaula is $660 a month, against $1,177 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 Eufaula — 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.