Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Alabama
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Alabama ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Baldwin County | 33.3% | $764 | $2,296 |
| 2 | Shelby County | 34.0% | $820 | $2,415 |
| 3 | Limestone County | 34.2% | $707 | $2,069 |
| 4 | Madison County | 34.5% | $752 | $2,181 |
| 5 | Tuscaloosa County | 35.0% | $673 | $1,920 |
| 6 | Elmore County | 35.4% | $626 | $1,767 |
| 7 | St. Clair County | 35.5% | $642 | $1,809 |
| 8 | Lee County | 36.0% | $716 | $1,990 |
| 9 | Autauga County | 36.3% | $602 | $1,659 |
| 10 | Randolph County | 36.7% | $569 | $1,551 |
| 11 | Morgan County | 37.0% | $604 | $1,634 |
| 12 | Cullman County | 37.0% | $567 | $1,531 |
| 13 | Jefferson County | 37.1% | $708 | $1,909 |
| 14 | Houston County | 37.5% | $570 | $1,520 |
| 15 | Lauderdale County | 37.5% | $595 | $1,587 |
| 16 | Coffee County | 37.6% | $580 | $1,543 |
| 17 | Marshall County | 37.7% | $592 | $1,571 |
| 18 | Blount County | 38.0% | $555 | $1,461 |
| 19 | Mobile County | 38.6% | $594 | $1,537 |
| 20 | Cherokee County | 38.8% | $561 | $1,446 |
| 21 | Washington County | 38.8% | $517 | $1,333 |
| 22 | Colbert County | 39.0% | $551 | $1,413 |
| 23 | Etowah County | 39.0% | $548 | $1,405 |
| 24 | Montgomery County | 39.1% | $548 | $1,403 |
| 25 | Pike County | 39.3% | $515 | $1,310 |
| 26 | Lawrence County | 39.4% | $522 | $1,327 |
| 27 | Clay County | 39.4% | $502 | $1,274 |
| 28 | Covington County | 39.7% | $501 | $1,262 |
| 29 | Jackson County | 39.8% | $514 | $1,292 |
| 30 | Cleburne County | 39.8% | $509 | $1,279 |
| 31 | Henry County | 39.8% | $522 | $1,311 |
| 32 | Russell County | 39.9% | $539 | $1,352 |
| 33 | Tallapoosa County | 39.9% | $512 | $1,285 |
| 34 | Calhoun County | 40.0% | $533 | $1,331 |
| 35 | Chilton County | 40.2% | $511 | $1,271 |
| 36 | Bibb County | 40.4% | $479 | $1,187 |
| 37 | Talladega County | 40.8% | $507 | $1,243 |
| 38 | DeKalb County | 40.8% | $499 | $1,222 |
| 39 | Walker County | 40.9% | $484 | $1,184 |
| 40 | Dale County | 41.4% | $487 | $1,176 |
| 41 | Clarke County | 41.5% | $479 | $1,154 |
| 42 | Franklin County | 41.5% | $486 | $1,169 |
| 43 | Chambers County | 41.6% | $493 | $1,186 |
| 44 | Hale County | 41.6% | $481 | $1,155 |
| 45 | Pickens County | 41.8% | $472 | $1,130 |
| 46 | Fayette County | 42.0% | $468 | $1,115 |
| 47 | Geneva County | 42.3% | $470 | $1,111 |
| 48 | Escambia County | 42.4% | $482 | $1,137 |
| 49 | Choctaw County | 42.5% | $442 | $1,038 |
| 50 | Lamar County | 42.6% | $447 | $1,048 |
| 51 | Monroe County | 42.8% | $460 | $1,073 |
| 52 | Coosa County | 43.0% | $450 | $1,047 |
| 53 | Winston County | 43.4% | $453 | $1,043 |
| 54 | Crenshaw County | 43.7% | $449 | $1,027 |
| 55 | Barbour County | 43.8% | $457 | $1,043 |
| 56 | Marion County | 44.1% | $439 | $996 |
| 57 | Marengo County | 44.6% | $445 | $997 |
| 58 | Conecuh County | 44.7% | $436 | $977 |
| 59 | Butler County | 45.0% | $435 | $967 |
| 60 | Dallas County | 45.7% | $438 | $957 |
| 61 | Macon County | 46.2% | $440 | $950 |
| 62 | Perry County | 47.0% | $416 | $884 |
| 63 | Sumter County | 47.6% | $408 | $857 |
| 64 | Wilcox County | 47.6% | $409 | $858 |
| 65 | Greene County | 47.8% | $422 | $883 |
| 66 | Lowndes County | 48.5% | $405 | $835 |
| 67 | Bullock County | 48.6% | $402 | $825 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Alabama