Gardendale, AL—35071
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Gardendale, AL
As of Oct '25, the median home price in Gardendale, AL is $266,000, with a year-over-year change of 0.8%. This indicates that home prices in Gardendale, AL are flat. According to Zillow, the 1-year price projection is -0.2%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $266,000 | 0.8% |
| Single Family | $267,000 | 1.5% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $161,000 | 0.6% |
3 Bed | $253,000 | 1.2% |
4 Bed | $364,000 | 2.2% |
| 5 Bed | $439,000 | 2.1% |
% of Housing Stock
Rental Trends — Gardendale, AL
As of July '25, Rentcast reports the average rent in Gardendale, AL is $1,880, with a year-over-year rent change of -3.6%. Per bedroom, the median rent as of July '25 in Gardendale, AL is 1-bedrooms: $1,220, 2-bedrooms: $1,070, 3-bedrooms: $1,980, 4-bedrooms: $2,130. The most common rental property sizes in Gardendale, AL are 2-bedroom and 3-bedroom, accounting for 45.2% and 32.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,900 | $1,880 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $950 | $1,220 |
| 2 Bed Rent | $1,050 | $1,070 |
| 3 Bed Rent | $1,900 | $1,980 |
| 4 Bed Rent | $2,110 | $2,130 |
% of Rental Stock
Property Listings — Gardendale, AL
As of Oct '25, Realtor.com reports that the median days on market for a home in Gardendale, AL is 59. This is a increase of 31.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 41.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $320,000 | 8.0% |
Listing Count | 74 | 15.0% |
| Listings as % of Homes | 0.9% | 15.0% |
Days on Market | 59 | 31.0% |
Demographics — Gardendale, AL
As of the latest ACS Survey released in 2023, Gardendale, AL has a population of 17,600, which has increased by 8.9% over the past 5 years. Gardendale, AL is a popular place for families, as children make up 27.1% of the population. The area has a moderately educated workforce, with 33.2% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 17,600 | 8.9% |
% Under 18 | 27.1% | 14.8% |
% Seniors | 18.0% | 0.6% |
% WFH | 10.3% | 119.1% |
% w/ College Degree | 33.2% | 19.9% |
As of the latest ACS Survey released in 2023, Gardendale, AL is a predominantly white area, with 69.4% of the population identifying as white. The white population has shrunk by 16.2% in the last 5 years. The second most common race or ethnicity in Gardendale, AL is black, making up 20.9% of the population. Foreign-born residents account for 1.2% of the population in Gardendale, AL, and this percentage has decreased by 33.3% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 69.4% | -16.2% |
% Black | 20.9% | 90.0% |
% Hispanic | 1.7% | -26.1% |
% Asian | 1.3% | -38.1% |
% Foreign Born | 1.2% | -33.3% |
Mortgage and Risk — Gardendale, AL
According to HUD data as of 2023, there were 502 mortgage originations in Gardendale, AL, of which 72.0% of loans were conventional mortgages. The average loan-to-value was 65.0%, with 36.0% above 90% LTV (very high). This implies large mortgage risk in Gardendale, AL. Investor activity is low, as 1.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 502 |
% Conventional Loans | 72.0% |
% Government Loans | 28.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Gardendale, AL
As of 2024, the percent of homes in Gardendale, AL under the Section 8 program is 4.2%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom units appear to be good home sizes to consider for Section 8 housing in Gardendale, AL, because HUD payments exceed market rent, while 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 65 |
Total Units Section 8 | 65 |
% Rentals under Section 8 | 4.2% |
% Occupied Section 8 | 87.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $220 | $950 | $1,170 |
| 2 Bedroom | $240 | $1,050 | $1,290 |
| 3 Bedroom | -$290 | $1,900 | $1,610 |
| 4 Bedroom | -$290 | $2,110 | $1,820 |
Affordability — Gardendale, AL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $266,000 |
| Median Household Income | $80,700 |