Total monthly cost of ownership
Cost to Own a Home in York, Alabama
A $58,000 home here costs
$630per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $298. The real number is $332 higher every month — 111% 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.
York against Sumter County and Alabama
| Measure | York | Sumter County |
|---|---|---|
| Median home value | $57,500 | $84,100 |
| Median property tax | $300 | $297 |
| Effective tax rate | 0.522% | 0.353% |
| Median gross rent | $738 | $841 |
| Population | 2,849 | 12,020 |
The weather behind that power bill
York sits in Sumter County, which averages a high of 91.1°F in its hottest month and a low of 34.8°F in its coldest, with 59.96" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,101 cooling and 2,461 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Sumter County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sumter County
Common questions
How much does it cost to own a home in York?
A $58,000 home in York, Alabama costs approximately $630 per month with 20% down at 6.66%. That is $298 principal and interest, $25 property tax, $40 homeowners insurance, $219 utilities and $48 set aside for maintenance.
What is the property tax rate in York?
York has an effective property tax rate of 0.522%, based on a median home value of $57,500 and median real estate taxes of $300. That is higher than the Sumter County average of 0.353%.
What is the average home price in York?
The median owner-occupied home value in York, Alabama is $57,500, against $84,100 across Sumter County.
Is it cheaper to rent or buy in York?
Median gross rent in York is $738 a month, against $630 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 York — 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.