Cottondale, AL—35456
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Cottondale, AL
Home Price Trends — Cottondale, AL
As of Oct '25, the median home price in Cottondale, AL is $155,000, with a year-over-year change of -4.3%. This indicates that home prices in Cottondale, AL are decreasing. According to Zillow, the 1-year price projection is -1.3%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $155,000 | -4.3% |
| Single Family | $155,000 | -5.5% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $210,000 | 0.0% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cottondale, AL
As of July '25, Rentcast reports the average rent in Cottondale, AL is $1,370, with a year-over-year rent change of -1.4%. Per bedroom, the median rent as of July '25 in Cottondale, AL is 3-bedrooms: $1,370. The most common rental property sizes in Cottondale, AL are 3-bedroom and 4-bedroom, accounting for 83.5% and 13.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,350 | $1,370 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,350 | $1,370 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Cottondale, AL
As of Oct '25, Realtor.com reports that the median days on market for a home in Cottondale, AL is 65. This is a increase of 115.0% 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 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $179,000 | -18.0% |
Listing Count | 6 | -14.0% |
| Listings as % of Homes | 0.2% | -14.0% |
Days on Market | 65 | 115.0% |
Demographics — Cottondale, AL
As of the latest ACS Survey released in 2023, Cottondale, AL has a population of 4,020, which has increased by 16.0% over the past 5 years. Cottondale, AL is a moderately popular place for families, as children make up 20.9% of the population. The area has a poorly educated workforce, with 10.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 1.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,020 | 16.0% |
% Under 18 | 20.9% | 9.4% |
% Seniors | 23.4% | 40.1% |
% WFH | 1.7% | 88.9% |
% w/ College Degree | 10.1% | 1.0% |
As of the latest ACS Survey released in 2023, Cottondale, AL is a predominantly white area, with 75.5% of the population identifying as white. The white population has shrunk by 6.4% in the last 5 years. The second most common race or ethnicity in Cottondale, AL is black, making up 19.1% of the population. Foreign-born residents account for 0.6% of the population in Cottondale, 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 | 75.5% | -6.4% |
% Black | 19.1% | 13.0% |
% Hispanic | 0.0% | -100.0% |
% Asian | 0.1% | ∞% |
% Foreign Born | 0.6% | ∞% |
Mortgage and Risk — Cottondale, AL
According to HUD data as of 2023, there were 61 mortgage originations in Cottondale, AL, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 36.0% above 90% LTV (very high). This implies large mortgage risk in Cottondale, AL. Investor activity is low, as 7.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 61 |
% Conventional Loans | 80.0% |
% Government Loans | 20.0% |
% Investor Loans | 7.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Cottondale, AL
Cottondale, AL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 3 |
Total Units Section 8 | 3 |
% Rentals under Section 8 | 0.8% |
% 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 | $70 | $1,350 | $1,420 |
| 4 Bedroom | N/A | N/A | $1,580 |
Affordability — Cottondale, AL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3 |
| Median Home Price | $155,000 |
| Median Household Income | $53,400 |