Harpersville, AL—35078
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Harpersville, AL
As of Oct '25, the median home price in Harpersville, AL is $271,000, with a year-over-year change of 1.9%. This indicates that home prices in Harpersville, AL are increasing. According to Zillow, the 1-year price projection is -0.1%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $271,000 | 1.9% |
| Single Family | $272,000 | 1.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | N/A | N/A |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Harpersville, AL
Harpersville, AL lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Harpersville, AL
As of Oct '25, Realtor.com reports that the median days on market for a home in Harpersville, AL is 93. This is a decrease of -47.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $315,000 | 7.0% |
Listing Count | 12 | -54.0% |
| Listings as % of Homes | 1.8% | -54.0% |
Days on Market | 93 | -47.0% |
Demographics — Harpersville, AL
As of the latest ACS Survey released in 2023, Harpersville, AL has a population of 2,060, which has increased by 7.2% over the past 5 years. Harpersville, AL is a moderately popular place for families, as children make up 23.6% of the population. The area has a poorly educated workforce, with 17.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 3.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,060 | 7.2% |
% Under 18 | 23.6% | 18.0% |
% Seniors | 22.9% | 25.1% |
% WFH | 3.9% | 116.7% |
% w/ College Degree | 17.2% | 22.9% |
As of the latest ACS Survey released in 2023, Harpersville, AL is a predominantly white area, with 80.2% of the population identifying as white. The white population has grown by 10.2% in the last 5 years. The second most common race or ethnicity in Harpersville, AL is black, making up 14.0% of the population. Foreign-born residents account for 1.5% of the population in Harpersville, AL, and this percentage has increased by Inf% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 80.2% | 10.2% |
% Black | 14.0% | -42.6% |
% Hispanic | 3.2% | 1,500.0% |
% Asian | 0.1% | ∞% |
% Foreign Born | 1.5% | ∞% |
Mortgage and Risk — Harpersville, AL
According to HUD data as of 2023, there were 47 mortgage originations in Harpersville, AL, of which 43.0% of loans were conventional mortgages. The average loan-to-value was 80.0%, with 55.0% above 90% LTV (very high). This implies large mortgage risk in Harpersville, AL. Investor activity is low, as 2.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 47 |
% Conventional Loans | 43.0% |
% Government Loans | 57.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Harpersville, AL
Harpersville, AL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 12 |
Total Units Section 8 | 0 |
% Rentals under Section 8 | 0.0% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,000 |
| 2 Bedroom | N/A | N/A | $1,130 |
| 3 Bedroom | N/A | N/A | $1,420 |
| 4 Bedroom | N/A | N/A | $1,580 |
Affordability — Harpersville, AL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.4 |
| Median Home Price | $271,000 |
| Median Household Income | $73,100 |