Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Alabama
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Alabama ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Bullock County | $402 | $79,400 | 0.389% |
| 2 | Lowndes County | $405 | $80,600 | 0.408% |
| 3 | Sumter County | $408 | $84,100 | 0.353% |
| 4 | Wilcox County | $409 | $84,200 | 0.367% |
| 5 | Perry County | $416 | $87,700 | 0.371% |
| 6 | Greene County | $422 | $86,400 | 0.488% |
| 7 | Butler County | $435 | $99,700 | 0.343% |
| 8 | Conecuh County | $436 | $101,300 | 0.324% |
| 9 | Dallas County | $438 | $97,400 | 0.424% |
| 10 | Marion County | $439 | $104,300 | 0.295% |
| 11 | Macon County | $440 | $95,700 | 0.489% |
| 12 | Choctaw County | $442 | $111,800 | 0.178% |
| 13 | Marengo County | $445 | $103,400 | 0.384% |
| 14 | Lamar County | $447 | $112,700 | 0.217% |
| 15 | Crenshaw County | $449 | $108,400 | 0.320% |
| 16 | Coosa County | $450 | $111,800 | 0.271% |
| 17 | Winston County | $453 | $110,500 | 0.329% |
| 18 | Barbour County | $457 | $109,900 | 0.378% |
| 19 | Monroe County | $460 | $114,900 | 0.315% |
| 20 | Fayette County | $468 | $121,200 | 0.286% |
| 21 | Geneva County | $470 | $120,200 | 0.318% |
| 22 | Pickens County | $472 | $123,300 | 0.289% |
| 23 | Bibb County | $479 | $132,600 | 0.204% |
| 24 | Clarke County | $479 | $126,400 | 0.307% |
| 25 | Hale County | $481 | $126,300 | 0.321% |
| 26 | Escambia County | $482 | $122,700 | 0.395% |
| 27 | Walker County | $484 | $131,100 | 0.272% |
| 28 | Franklin County | $486 | $128,000 | 0.338% |
| 29 | Dale County | $487 | $129,100 | 0.330% |
| 30 | Chambers County | $493 | $129,700 | 0.382% |
| 31 | DeKalb County | $499 | $135,500 | 0.338% |
| 32 | Covington County | $501 | $142,500 | 0.251% |
| 33 | Clay County | $502 | $144,700 | 0.225% |
| 34 | Talladega County | $507 | $137,900 | 0.369% |
| 35 | Cleburne County | $509 | $144,200 | 0.289% |
| 36 | Chilton County | $511 | $142,300 | 0.336% |
| 37 | Tallapoosa County | $512 | $144,800 | 0.311% |
| 38 | Jackson County | $514 | $145,800 | 0.308% |
| 39 | Pike County | $515 | $149,000 | 0.270% |
| 40 | Washington County | $517 | $152,800 | 0.234% |
| 41 | Henry County | $522 | $147,800 | 0.342% |
| 42 | Lawrence County | $522 | $150,700 | 0.305% |
| 43 | Calhoun County | $533 | $149,500 | 0.408% |
| 44 | Russell County | $539 | $152,300 | 0.414% |
| 45 | Etowah County | $548 | $160,600 | 0.364% |
| 46 | Montgomery County | $548 | $160,100 | 0.374% |
| 47 | Colbert County | $551 | $161,600 | 0.374% |
| 48 | Blount County | $555 | $169,700 | 0.299% |
| 49 | Cherokee County | $561 | $165,900 | 0.388% |
| 50 | Cullman County | $567 | $180,500 | 0.253% |
| 51 | Randolph County | $569 | $184,000 | 0.224% |
| 52 | Houston County | $570 | $178,000 | 0.300% |
| 53 | Coffee County | $580 | $180,300 | 0.341% |
| 54 | Marshall County | $592 | $183,400 | 0.381% |
| 55 | Mobile County | $594 | $176,600 | 0.481% |
| 56 | Lauderdale County | $595 | $185,800 | 0.375% |
| 57 | Autauga County | $602 | $197,900 | 0.285% |
| 58 | Morgan County | $604 | $193,000 | 0.349% |
| 59 | Elmore County | $626 | $213,600 | 0.264% |
| 60 | St. Clair County | $642 | $218,500 | 0.305% |
| 61 | Tuscaloosa County | $673 | $233,700 | 0.323% |
| 62 | Limestone County | $707 | $255,100 | 0.307% |
| 63 | Jefferson County | $708 | $224,900 | 0.596% |
| 64 | Lee County | $716 | $238,700 | 0.496% |
| 65 | Madison County | $752 | $267,800 | 0.404% |
| 66 | Baldwin County | $764 | $287,000 | 0.307% |
| 67 | Shelby County | $820 | $298,700 | 0.450% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Alabama