Total monthly cost of ownership
Cost to Own a Home in Odenville, Alabama
A $221,000 home here costs
$1,843per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $79,000 a year.
A standard mortgage calculator would have told you $1,205. The real number is $638 higher every month, 53% more than the payment most buyers budget for.
Compare St. Clair County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Odenville against St. Clair County and Alabama
| Measure | Odenville | St. Clair County |
|---|---|---|
| Median home value | $220,900 | $218,500 |
| Median property tax | $584 | $666 |
| Effective tax rate | 0.264% | 0.305% |
| Median gross rent | $1,265 | $1,077 |
| Population | 5,015 | 92,903 |
The weather behind that power bill
Odenville sits in St. Clair County, which averages a high of 90.0°F in its hottest month and a low of 32.9°F in its coldest, with 52.23" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,840 cooling and 2,808 heating degree days, which is what sets the $187 electricity line above.
See the full climate breakdown for St. Clair County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Clair County
Full St. Clair County cost breakdown · Every county in Alabama
Talk to someone who works this market
These are Odenville averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Odenville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Odenville I already own here and may sell
Common questions
How much does it cost to own a home in Odenville?
A $221,000 home in Odenville, Alabama costs approximately $1,843 per month with 20% down at 7.24%. That is $1,205 principal and interest, $49 property tax, $151 homeowners insurance, $255 utilities and $184 set aside for maintenance.
What is the property tax rate in Odenville?
Odenville has an effective property tax rate of 0.264%, based on a median home value of $220,900 and median real estate taxes of $584. That is lower than the St. Clair County average of 0.305%.
What is the average home price in Odenville?
The median owner-occupied home value in Odenville, Alabama is $220,900, against $218,500 across St. Clair County.
Is it cheaper to rent or buy in Odenville?
Median gross rent in Odenville is $1,265 a month, against $1,843 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Odenville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Odenville, Alabama at today's rate takes a household income of roughly $79,000 a year. That covers the full $1,843 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Odenville, 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.