Total monthly cost of ownership
Cost to Own a Home in Stewartville, Alabama
A $97,000 home here costs
$899per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $499. The real number is $401 higher every month — 80% 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.
Stewartville against Coosa County and Alabama
| Measure | Stewartville | Coosa County |
|---|---|---|
| Median home value | $96,500 | $111,800 |
| Median property tax | $415 | $303 |
| Effective tax rate | 0.430% | 0.271% |
| Median gross rent | $1,024 | $682 |
| Population | 1,557 | 10,323 |
The weather behind that power bill
Stewartville sits in Coosa County, which averages a high of 88.7°F in its hottest month and a low of 34.6°F in its coldest, with 60.19" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,724 cooling and 2,611 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Coosa County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Coosa County
Common questions
How much does it cost to own a home in Stewartville?
A $97,000 home in Stewartville, Alabama costs approximately $899 per month with 20% down at 6.66%. That is $499 principal and interest, $35 property tax, $66 homeowners insurance, $219 utilities and $81 set aside for maintenance.
What is the property tax rate in Stewartville?
Stewartville has an effective property tax rate of 0.430%, based on a median home value of $96,500 and median real estate taxes of $415. That is higher than the Coosa County average of 0.271%.
What is the average home price in Stewartville?
The median owner-occupied home value in Stewartville, Alabama is $96,500, against $111,800 across Coosa County.
Is it cheaper to rent or buy in Stewartville?
Median gross rent in Stewartville is $1,024 a month, against $899 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Stewartville — 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.