Total monthly cost of ownership
Cost to Own a Home in Headland, Alabama
A $191,000 home here costs
$1,558per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $982. The real number is $576 higher every month — 59% 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.
Headland against Henry County and Alabama
| Measure | Headland | Henry County |
|---|---|---|
| Median home value | $190,700 | $147,800 |
| Median property tax | $806 | $506 |
| Effective tax rate | 0.423% | 0.342% |
| Median gross rent | $793 | $770 |
| Population | 5,124 | 17,450 |
The weather behind that power bill
Headland sits in Henry County, which averages a high of 93.3°F in its hottest month and a low of 39.8°F in its coldest, with 53.85" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,686 cooling and 1,633 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Henry County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Henry County
Common questions
How much does it cost to own a home in Headland?
A $191,000 home in Headland, Alabama costs approximately $1,558 per month with 20% down at 6.66%. That is $982 principal and interest, $67 property tax, $130 homeowners insurance, $219 utilities and $159 set aside for maintenance.
What is the property tax rate in Headland?
Headland has an effective property tax rate of 0.423%, based on a median home value of $190,700 and median real estate taxes of $806. That is higher than the Henry County average of 0.342%.
What is the average home price in Headland?
The median owner-occupied home value in Headland, Alabama is $190,700, against $147,800 across Henry County.
Is it cheaper to rent or buy in Headland?
Median gross rent in Headland is $793 a month, against $1,558 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 Headland — 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.