Total monthly cost of ownership
Cost to Own a Home in Sardis City, Alabama
A $207,000 home here costs
$1,753per 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 $75,000 a year.
A standard mortgage calculator would have told you $1,129. The real number is $625 higher every month, 55% more than the payment most buyers budget for.
Compare Etowah County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Sardis City from a five-year rolling sample, and with about 1,805 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Etowah County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Sardis City against Etowah County and Alabama
| Measure | Sardis City | Etowah County |
|---|---|---|
| Median home value | $207,300 | $160,600 |
| Median property tax | $675 | $585 |
| Effective tax rate | 0.326% | 0.364% |
| Median gross rent | $830 | $807 |
| Population | 1,805 | 103,208 |
Sardis City extends across 2 counties. Figures here use Etowah County, where most of its housing sits.
The weather behind that power bill
Sardis City sits in Etowah County, which averages a high of 90.9°F in its hottest month and a low of 32.8°F in its coldest, with 57.64" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,018 cooling and 2,782 heating degree days, which is what sets the $187 electricity line above.
See the full climate breakdown for Etowah County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Etowah County
Talk to someone who works this market
These are Sardis City 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 Sardis City every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Sardis City?
A $207,000 home in Sardis City, Alabama costs approximately $1,753 per month with 20% down at 7.24%. That is $1,129 principal and interest, $56 property tax, $141 homeowners insurance, $255 utilities and $173 set aside for maintenance.
What is the property tax rate in Sardis City?
Sardis City has an effective property tax rate of 0.326%, based on a median home value of $207,300 and median real estate taxes of $675. That is lower than the Etowah County average of 0.364%.
What is the average home price in Sardis City?
The median owner-occupied home value in Sardis City, Alabama is $207,300, against $160,600 across Etowah County.
Is it cheaper to rent or buy in Sardis City?
Median gross rent in Sardis City is $830 a month, against $1,753 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 Sardis City?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Sardis City, Alabama at today's rate takes a household income of roughly $75,000 a year. That covers the full $1,753 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Sardis City, 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.