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Mortgage Calculator &
Closing Costs: Auburn, AL

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Auburn, Alabama.

Median Home Price
$285K
Population
76K
Avg Monthly Rent
$1,250
Property Tax Rate
0.41%
Auburn vs Alabama Median
The median home price in Auburn is $285,000, which is 24% above the Alabama state median of $230,000.

Mortgage Calculator — Auburn, AL

Pre-filled with Auburn median home price and Alabama tax/insurance rates. Adjust for your property.

$
$57,000
%
%
years
AL avg
%
$
Monthly Payment (PITI)
$1,701
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,441
per month
Taxes & Insurance
$260
per month
Total Interest Paid
$291K
over 30 years
Total Loan Cost
$519K
all payments
Payment Breakdown
Loan Amount$228,000
Principal & Interest$1,441
Property Taxes$97
Homeowners Insurance$163
Total Monthly PITI$1,701

Closing Costs — Auburn, AL

Estimated closing costs based on Alabama rates and fees applied to Auburn prices.

$
%
Alabama: Avg closing costs 1.4% of price. Transfer tax: 0%.
Estimated Closing Costs
$8,896
3.1% of purchase price
Lender Fees
$2,477
origination, underwriting
Third-Party
$2,875
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$3,544
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,052
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,725
Recording Fee$150
Prepaid Taxes (3 mo)$292
Prepaid Insurance (12 mo)$1,950
Prepaid Interest (15 days)$685
Escrow Reserves$617
Total Closing Costs$8,896

Buying a Home in Auburn, Alabama

The median home price in Auburn is $285,000, 24% above the Alabama state median of $230,000. With a population of 76,143, Auburn is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Alabama average 0.41% annually. This low property tax rate is a significant advantage for Auburn buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Alabama runs approximately $1,950 per year. This is within the normal range nationally.

Average rent in Auburn is $1,250/month. The price-to-rent ratio in Auburn is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Auburn presents moderate affordability. The $285K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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