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Mortgage Calculator &
Closing Costs: Dothan, AL

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

Median Home Price
$175K
Population
71K
Avg Monthly Rent
$950
Property Tax Rate
0.41%
Dothan vs Alabama Median
The median home price in Dothan is $175,000, which is 24% below the Alabama state median of $230,000.

Mortgage Calculator — Dothan, AL

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

$
$35,000
%
%
years
AL avg
%
$
Monthly Payment (PITI)
$1,108
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$885
per month
Taxes & Insurance
$223
per month
Total Interest Paid
$179K
over 30 years
Total Loan Cost
$319K
all payments
Payment Breakdown
Loan Amount$140,000
Principal & Interest$885
Property Taxes$60
Homeowners Insurance$163
Total Monthly PITI$1,108

Closing Costs — Dothan, AL

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

$
%
Alabama: Avg closing costs 1.4% of price. Transfer tax: 0%.
Estimated Closing Costs
$7,064
4.0% of purchase price
Lender Fees
$1,685
origination, underwriting
Third-Party
$2,325
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$3,054
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,260
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,175
Recording Fee$150
Prepaid Taxes (3 mo)$179
Prepaid Insurance (12 mo)$1,950
Prepaid Interest (15 days)$421
Escrow Reserves$504
Total Closing Costs$7,064

Buying a Home in Dothan, Alabama

The median home price in Dothan is $175,000, 24% below the Alabama state median of $230,000. With a population of 71,072, Dothan is a smaller market where home prices tend to be more accessible than in many parts of Alabama.

Property taxes in Alabama average 0.41% annually. This low property tax rate is a significant advantage for Dothan 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 Dothan is $950/month. The price-to-rent ratio in Dothan is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Dothan offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Alabama's Alabama Housing Finance Authority Step Up program.

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