Total monthly cost of ownership
Cost to Own a Home in Heflin, Alabama
A $156,000 home here costs
$1,298per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $802. The real number is $496 higher every month — 62% 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.
Heflin against Cleburne County and Alabama
| Measure | Heflin | Cleburne County |
|---|---|---|
| Median home value | $155,800 | $144,200 |
| Median property tax | $491 | $417 |
| Effective tax rate | 0.315% | 0.289% |
| Median gross rent | $739 | $792 |
| Population | 3,462 | 15,254 |
The weather behind that power bill
Heflin sits in Cleburne County, which averages a high of 88.5°F in its hottest month and a low of 29.7°F in its coldest, with 57.41" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,474 cooling and 3,193 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Cleburne County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cleburne County
No other places of this size are published in Cleburne County.
Full Cleburne County cost breakdown · Every county in Alabama
Common questions
How much does it cost to own a home in Heflin?
A $156,000 home in Heflin, Alabama costs approximately $1,298 per month with 20% down at 6.66%. That is $802 principal and interest, $41 property tax, $106 homeowners insurance, $219 utilities and $130 set aside for maintenance.
What is the property tax rate in Heflin?
Heflin has an effective property tax rate of 0.315%, based on a median home value of $155,800 and median real estate taxes of $491. That is higher than the Cleburne County average of 0.289%.
What is the average home price in Heflin?
The median owner-occupied home value in Heflin, Alabama is $155,800, against $144,200 across Cleburne County.
Is it cheaper to rent or buy in Heflin?
Median gross rent in Heflin is $739 a month, against $1,298 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 Heflin — 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.