View in Interactive Map

Muscle Shoals, AL—35661

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$249,000
2.1% YoY Growth
Household Income
$66,700
16.8% YoY Growth
Days on Market
68
1.0% Shorter YoY
Home Price Forecast
2.0%
Median Rent
$950
18.2% YoY Growth
1-Bed Rent
$600
29.4% YoY Growth
2-Bed Rent
$950
7.5% YoY Growth
3-Bed Rent
$1,500
8.5% YoY Growth
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Muscle Shoals, AL

As of Dec '25, the median home price in Muscle Shoals, AL is $249,000, with a year-over-year change of 2.1%. This indicates that home prices in Muscle Shoals, AL are increasing. According to Zillow, the 1-year price projection is 2.0%, suggesting an increase housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$249,0002.1%
Single Family $249,0002.5%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		$157,0004.7%
    3 Bed
    		$242,0001.7%
    4 Bed
    		$380,0002.2%
    5 Bed $478,7851.9%
    Loading chart...

    % of Housing Stock

    Studio
    1.3%
    1 Bedroom
    3.3%
    2 Bedrooms
    22.7%
    3 Bedrooms
    53.0%
    4 Bedrooms
    13.5%
    5+ Bedrooms
    6.2%

    Rental Trends — Muscle Shoals, AL

    As of July '25, Rentcast reports the average rent in Muscle Shoals, AL is $1,170, with a year-over-year rent change of -18.2%. Per bedroom, the median rent as of July '25 in Muscle Shoals, AL is 1-bedrooms: $600, 2-bedrooms: $981, 3-bedrooms: $1,500, 4-bedrooms: $1,200. The most common rental property sizes in Muscle Shoals, AL are 2-bedroom and 3-bedroom, accounting for 50.5% and 36.3% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$950$1,170
    Studio Rent N/AN/A
    1 Bed Rent $600$600
    2 Bed Rent $950$981
    3 Bed Rent $1,500$1,500
    4 Bed Rent $1,200$1,200
    Loading chart...

    % of Rental Stock

    Studio
    1.1%
    1 Bedroom
    9.1%
    2 Bedrooms
    50.5%
    3 Bedrooms
    36.3%
    4 Bedrooms
    2.8%
    5+ Bedrooms
    0.3%

    Property Listings — Muscle Shoals, AL

    As of Dec '25, Realtor.com reports that the median days on market for a home in Muscle Shoals, AL is 64. This is a increase of 2.0% 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 16.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$334,0005.0%
    Listing Count
    		12114.0%
    Listings as % of Homes0.7%14.0%
    Days on Market
    		68-1.0%
    Loading chart...

    Demographics — Muscle Shoals, AL

    As of the latest ACS Survey released in 2023, Muscle Shoals, AL has a population of 19,000, which has increased by 12.3% over the past 5 years. Muscle Shoals, AL is a moderately popular place for families, as children make up 22.4% of the population. The area has a poorly educated workforce, with 24.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.2% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		19,00012.3%
    % Under 18
    		22.4%12.6%
    % Seniors
    		19.2%2.7%
    % WFH
    		11.2%366.7%
    % w/ College Degree
    		24.3%-9.0%
    Loading chart...

    As of the latest ACS Survey released in 2023, Muscle Shoals, AL is a predominantly white area, with 77.5% of the population identifying as white. The white population has shrunk by 7.7% in the last 5 years. The second most common race or ethnicity in Muscle Shoals, AL is black, making up 14.1% of the population. Foreign-born residents account for 2.1% of the population in Muscle Shoals, AL, and this percentage has increased by 23.5% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		77.5%-7.7%
    % Black
    		14.1%23.7%
    % Hispanic
    		4.6%130.0%
    % Asian
    		0.6%-25.0%
    % Foreign Born
    		2.1%23.5%
    Loading chart...

    Mortgage and Risk — Muscle Shoals, AL

    According to HUD data as of 2023, there were 458 mortgage originations in Muscle Shoals, AL, of which 74.0% of loans were conventional mortgages. The average loan-to-value was 67.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Muscle Shoals, AL. Investor activity is low, as 3.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		458
    % Conventional Loans
    		74.0%
    % Government Loans
    		26.0%
    % Investor Loans
    		3.0%
    % Second Loans
    		2.0%
    % Cash Out Refinance
    		13.0%
    Loading chart...
    Loading chart...

    Rentals and Section 8 — Muscle Shoals, AL

    As of 2024, the percent of homes in Muscle Shoals, AL under the Section 8 program is 7.0%. 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 and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Muscle Shoals, AL, because HUD payments exceed market rent, while 3-bedroom units do not.

    Section 8 Market Size

    Total Units under HUD
    		155
    Total Units Section 8
    		155
    % Rentals under Section 8
    		7.0%
    % Occupied Section 8
    		74.6%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 Bedroom$270$600$870
    2 Bedroom$190$950$1,140
    3 Bedroom-$100$1,500$1,400
    4 Bedroom$460$1,200$1,660

    Affordability — Muscle Shoals, AL

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio3.3
    Median Home Price$249,000
    Median Household Income$66,700

    Muscle Shoals, AL — ZIP Code Boundary Map

    Loading map...

    Nearby ZIP Codes

    Florence, AL

    35630

    Leighton, AL

    35646

    Florence

    35632

    Sheffield, AL

    35660

    Killen, AL

    35645

    Frequently Asked Questions