Total monthly cost of ownership
Cost to Own a Home in Livingston, Alabama
A $163,000 home here costs
$1,364per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $838. The real number is $526 higher every month — 63% 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.
Livingston against Sumter County and Alabama
| Measure | Livingston | Sumter County |
|---|---|---|
| Median home value | $163,300 | $84,100 |
| Median property tax | $729 | $297 |
| Effective tax rate | 0.446% | 0.353% |
| Median gross rent | $763 | $841 |
| Population | 3,243 | 12,020 |
The weather behind that power bill
Livingston sits in Sumter County, which averages a high of 91.1°F in its hottest month and a low of 34.8°F in its coldest, with 59.96" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,101 cooling and 2,461 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Sumter County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sumter County
Common questions
How much does it cost to own a home in Livingston?
A $163,000 home in Livingston, Alabama costs approximately $1,364 per month with 20% down at 6.66%. That is $838 principal and interest, $61 property tax, $111 homeowners insurance, $219 utilities and $136 set aside for maintenance.
What is the property tax rate in Livingston?
Livingston has an effective property tax rate of 0.446%, based on a median home value of $163,300 and median real estate taxes of $729. That is higher than the Sumter County average of 0.353%.
What is the average home price in Livingston?
The median owner-occupied home value in Livingston, Alabama is $163,300, against $84,100 across Sumter County.
Is it cheaper to rent or buy in Livingston?
Median gross rent in Livingston is $763 a month, against $1,364 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 Livingston — 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.