Total monthly cost of ownership
Cost to Own a Home in Samson, Alabama
A $78,000 home here costs
$761per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $401. The real number is $360 higher every month — 90% 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.
Samson against Geneva County and Alabama
| Measure | Samson | Geneva County |
|---|---|---|
| Median home value | $77,700 | $120,200 |
| Median property tax | $278 | $382 |
| Effective tax rate | 0.358% | 0.318% |
| Median gross rent | $713 | $757 |
| Population | 1,477 | 26,726 |
The weather behind that power bill
Samson sits in Geneva County, which averages a high of 92.3°F in its hottest month and a low of 34.8°F in its coldest, with 62.26" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,225 cooling and 2,038 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Geneva County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Geneva County
Common questions
How much does it cost to own a home in Samson?
A $78,000 home in Samson, Alabama costs approximately $761 per month with 20% down at 6.66%. That is $401 principal and interest, $23 property tax, $53 homeowners insurance, $219 utilities and $65 set aside for maintenance.
What is the property tax rate in Samson?
Samson has an effective property tax rate of 0.358%, based on a median home value of $77,700 and median real estate taxes of $278. That is higher than the Geneva County average of 0.318%.
What is the average home price in Samson?
The median owner-occupied home value in Samson, Alabama is $77,700, against $120,200 across Geneva County.
Is it cheaper to rent or buy in Samson?
Median gross rent in Samson is $713 a month, against $761 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 Samson — 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.