Total monthly cost of ownership
Cost to Own a Home in Scottsboro, Alabama
A $176,000 home here costs
$1,444per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $905. The real number is $539 higher every month — 60% 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.
Scottsboro against Jackson County and Alabama
| Measure | Scottsboro | Jackson County |
|---|---|---|
| Median home value | $175,700 | $145,800 |
| Median property tax | $641 | $449 |
| Effective tax rate | 0.365% | 0.308% |
| Median gross rent | $792 | $762 |
| Population | 15,641 | 52,839 |
The weather behind that power bill
Scottsboro sits in Jackson County, which averages a high of 88.3°F in its hottest month and a low of 29.9°F in its coldest, with 55.11" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,522 cooling and 3,339 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Jackson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jackson County
Full Jackson County cost breakdown · Every county in Alabama
Common questions
How much does it cost to own a home in Scottsboro?
A $176,000 home in Scottsboro, Alabama costs approximately $1,444 per month with 20% down at 6.66%. That is $905 principal and interest, $54 property tax, $120 homeowners insurance, $219 utilities and $147 set aside for maintenance.
What is the property tax rate in Scottsboro?
Scottsboro has an effective property tax rate of 0.365%, based on a median home value of $175,700 and median real estate taxes of $641. That is higher than the Jackson County average of 0.308%.
What is the average home price in Scottsboro?
The median owner-occupied home value in Scottsboro, Alabama is $175,700, against $145,800 across Jackson County.
Is it cheaper to rent or buy in Scottsboro?
Median gross rent in Scottsboro is $792 a month, against $1,444 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 Scottsboro — 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.