Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Alabama
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Alabama ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Bullock County | 48.6% | $402 | $825 |
| 2 | Lowndes County | 48.5% | $405 | $835 |
| 3 | Greene County | 47.8% | $422 | $883 |
| 4 | Wilcox County | 47.6% | $409 | $858 |
| 5 | Sumter County | 47.6% | $408 | $857 |
| 6 | Perry County | 47.0% | $416 | $884 |
| 7 | Macon County | 46.2% | $440 | $950 |
| 8 | Dallas County | 45.7% | $438 | $957 |
| 9 | Butler County | 45.0% | $435 | $967 |
| 10 | Conecuh County | 44.7% | $436 | $977 |
| 11 | Marengo County | 44.6% | $445 | $997 |
| 12 | Marion County | 44.1% | $439 | $996 |
| 13 | Barbour County | 43.8% | $457 | $1,043 |
| 14 | Crenshaw County | 43.7% | $449 | $1,027 |
| 15 | Winston County | 43.4% | $453 | $1,043 |
| 16 | Coosa County | 43.0% | $450 | $1,047 |
| 17 | Monroe County | 42.8% | $460 | $1,073 |
| 18 | Lamar County | 42.6% | $447 | $1,048 |
| 19 | Choctaw County | 42.5% | $442 | $1,038 |
| 20 | Escambia County | 42.4% | $482 | $1,137 |
| 21 | Geneva County | 42.3% | $470 | $1,111 |
| 22 | Fayette County | 42.0% | $468 | $1,115 |
| 23 | Pickens County | 41.8% | $472 | $1,130 |
| 24 | Hale County | 41.6% | $481 | $1,155 |
| 25 | Chambers County | 41.6% | $493 | $1,186 |
| 26 | Franklin County | 41.5% | $486 | $1,169 |
| 27 | Clarke County | 41.5% | $479 | $1,154 |
| 28 | Dale County | 41.4% | $487 | $1,176 |
| 29 | Walker County | 40.9% | $484 | $1,184 |
| 30 | DeKalb County | 40.8% | $499 | $1,222 |
| 31 | Talladega County | 40.8% | $507 | $1,243 |
| 32 | Bibb County | 40.4% | $479 | $1,187 |
| 33 | Chilton County | 40.2% | $511 | $1,271 |
| 34 | Calhoun County | 40.0% | $533 | $1,331 |
| 35 | Tallapoosa County | 39.9% | $512 | $1,285 |
| 36 | Russell County | 39.9% | $539 | $1,352 |
| 37 | Henry County | 39.8% | $522 | $1,311 |
| 38 | Cleburne County | 39.8% | $509 | $1,279 |
| 39 | Jackson County | 39.8% | $514 | $1,292 |
| 40 | Covington County | 39.7% | $501 | $1,262 |
| 41 | Clay County | 39.4% | $502 | $1,274 |
| 42 | Lawrence County | 39.4% | $522 | $1,327 |
| 43 | Pike County | 39.3% | $515 | $1,310 |
| 44 | Montgomery County | 39.1% | $548 | $1,403 |
| 45 | Etowah County | 39.0% | $548 | $1,405 |
| 46 | Colbert County | 39.0% | $551 | $1,413 |
| 47 | Washington County | 38.8% | $517 | $1,333 |
| 48 | Cherokee County | 38.8% | $561 | $1,446 |
| 49 | Mobile County | 38.6% | $594 | $1,537 |
| 50 | Blount County | 38.0% | $555 | $1,461 |
| 51 | Marshall County | 37.7% | $592 | $1,571 |
| 52 | Coffee County | 37.6% | $580 | $1,543 |
| 53 | Lauderdale County | 37.5% | $595 | $1,587 |
| 54 | Houston County | 37.5% | $570 | $1,520 |
| 55 | Jefferson County | 37.1% | $708 | $1,909 |
| 56 | Cullman County | 37.0% | $567 | $1,531 |
| 57 | Morgan County | 37.0% | $604 | $1,634 |
| 58 | Randolph County | 36.7% | $569 | $1,551 |
| 59 | Autauga County | 36.3% | $602 | $1,659 |
| 60 | Lee County | 36.0% | $716 | $1,990 |
| 61 | St. Clair County | 35.5% | $642 | $1,809 |
| 62 | Elmore County | 35.4% | $626 | $1,767 |
| 63 | Tuscaloosa County | 35.0% | $673 | $1,920 |
| 64 | Madison County | 34.5% | $752 | $2,181 |
| 65 | Limestone County | 34.2% | $707 | $2,069 |
| 66 | Shelby County | 34.0% | $820 | $2,415 |
| 67 | Baldwin County | 33.3% | $764 | $2,296 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Alabama