Ranked from ACS 2023 5-Year
Most Expensive Counties to Own a Home Outright in Alabama
The counties where a paid-off house still costs the most to keep. For retirees on a fixed income this figure matters more than the purchase price, because it never goes away and it rises with assessments.
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 | Shelby County | $820 | $298,700 | 0.450% |
| 2 | Baldwin County | $764 | $287,000 | 0.307% |
| 3 | Madison County | $752 | $267,800 | 0.404% |
| 4 | Lee County | $716 | $238,700 | 0.496% |
| 5 | Jefferson County | $708 | $224,900 | 0.596% |
| 6 | Limestone County | $707 | $255,100 | 0.307% |
| 7 | Tuscaloosa County | $673 | $233,700 | 0.323% |
| 8 | St. Clair County | $642 | $218,500 | 0.305% |
| 9 | Elmore County | $626 | $213,600 | 0.264% |
| 10 | Morgan County | $604 | $193,000 | 0.349% |
| 11 | Autauga County | $602 | $197,900 | 0.285% |
| 12 | Lauderdale County | $595 | $185,800 | 0.375% |
| 13 | Mobile County | $594 | $176,600 | 0.481% |
| 14 | Marshall County | $592 | $183,400 | 0.381% |
| 15 | Coffee County | $580 | $180,300 | 0.341% |
| 16 | Houston County | $570 | $178,000 | 0.300% |
| 17 | Randolph County | $569 | $184,000 | 0.224% |
| 18 | Cullman County | $567 | $180,500 | 0.253% |
| 19 | Cherokee County | $561 | $165,900 | 0.388% |
| 20 | Blount County | $555 | $169,700 | 0.299% |
| 21 | Colbert County | $551 | $161,600 | 0.374% |
| 22 | Montgomery County | $548 | $160,100 | 0.374% |
| 23 | Etowah County | $548 | $160,600 | 0.364% |
| 24 | Russell County | $539 | $152,300 | 0.414% |
| 25 | Calhoun County | $533 | $149,500 | 0.408% |
| 26 | Lawrence County | $522 | $150,700 | 0.305% |
| 27 | Henry County | $522 | $147,800 | 0.342% |
| 28 | Washington County | $517 | $152,800 | 0.234% |
| 29 | Pike County | $515 | $149,000 | 0.270% |
| 30 | Jackson County | $514 | $145,800 | 0.308% |
| 31 | Tallapoosa County | $512 | $144,800 | 0.311% |
| 32 | Chilton County | $511 | $142,300 | 0.336% |
| 33 | Cleburne County | $509 | $144,200 | 0.289% |
| 34 | Talladega County | $507 | $137,900 | 0.369% |
| 35 | Clay County | $502 | $144,700 | 0.225% |
| 36 | Covington County | $501 | $142,500 | 0.251% |
| 37 | DeKalb County | $499 | $135,500 | 0.338% |
| 38 | Chambers County | $493 | $129,700 | 0.382% |
| 39 | Dale County | $487 | $129,100 | 0.330% |
| 40 | Franklin County | $486 | $128,000 | 0.338% |
| 41 | Walker County | $484 | $131,100 | 0.272% |
| 42 | Escambia County | $482 | $122,700 | 0.395% |
| 43 | Hale County | $481 | $126,300 | 0.321% |
| 44 | Clarke County | $479 | $126,400 | 0.307% |
| 45 | Bibb County | $479 | $132,600 | 0.204% |
| 46 | Pickens County | $472 | $123,300 | 0.289% |
| 47 | Geneva County | $470 | $120,200 | 0.318% |
| 48 | Fayette County | $468 | $121,200 | 0.286% |
| 49 | Monroe County | $460 | $114,900 | 0.315% |
| 50 | Barbour County | $457 | $109,900 | 0.378% |
| 51 | Winston County | $453 | $110,500 | 0.329% |
| 52 | Coosa County | $450 | $111,800 | 0.271% |
| 53 | Crenshaw County | $449 | $108,400 | 0.320% |
| 54 | Lamar County | $447 | $112,700 | 0.217% |
| 55 | Marengo County | $445 | $103,400 | 0.384% |
| 56 | Choctaw County | $442 | $111,800 | 0.178% |
| 57 | Macon County | $440 | $95,700 | 0.489% |
| 58 | Marion County | $439 | $104,300 | 0.295% |
| 59 | Dallas County | $438 | $97,400 | 0.424% |
| 60 | Conecuh County | $436 | $101,300 | 0.324% |
| 61 | Butler County | $435 | $99,700 | 0.343% |
| 62 | Greene County | $422 | $86,400 | 0.488% |
| 63 | Perry County | $416 | $87,700 | 0.371% |
| 64 | Wilcox County | $409 | $84,200 | 0.367% |
| 65 | Sumter County | $408 | $84,100 | 0.353% |
| 66 | Lowndes County | $405 | $80,600 | 0.408% |
| 67 | Bullock County | $402 | $79,400 | 0.389% |
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
Most Expensive Counties to Own a Home Outright across all 3,133 US counties · Every county in Alabama