Guntersville, AL—35976
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Guntersville, AL
As of Oct '25, the median home price in Guntersville, AL is $292,000, with a year-over-year change of -1.6%. This indicates that home prices in Guntersville, AL are decreasing. According to Zillow, the 1-year price projection is 1.5%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $292,000 | -1.6% |
| Single Family | $290,000 | -1.4% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $228,000 | -2.1% |
3 Bed | $295,000 | -0.7% |
4 Bed | $469,000 | 0.9% |
| 5 Bed | $722,000 | 0.4% |
% of Housing Stock
Rental Trends — Guntersville, AL
As of July '25, Rentcast reports the average rent in Guntersville, AL is $2,030, with a year-over-year rent change of -26.7%. Per bedroom, the median rent as of July '25 in Guntersville, AL is 1-bedrooms: $1,500, 2-bedrooms: $1,610, 3-bedrooms: $2,120. The most common rental property sizes in Guntersville, AL are 2-bedroom and 3-bedroom, accounting for 44.2% and 33.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,800 | $2,030 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,500 | $1,500 |
| 2 Bed Rent | $1,000 | $1,610 |
| 3 Bed Rent | $1,900 | $2,120 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Guntersville, AL
As of Oct '25, Realtor.com reports that the median days on market for a home in Guntersville, AL is 102. This is a increase of 9.0% 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 18.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $407,000 | -6.0% |
Listing Count | 152 | 18.0% |
| Listings as % of Homes | 1.2% | 18.0% |
Days on Market | 102 | 9.0% |
Demographics — Guntersville, AL
As of the latest ACS Survey released in 2023, Guntersville, AL has a population of 16,600, which has decreased by -3.8% over the past 5 years. Guntersville, AL is a moderately popular place for families, as children make up 21.1% of the population. The area has a moderately educated workforce, with 30.6% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 16,600 | -3.8% |
% Under 18 | 21.1% | 7.7% |
% Seniors | 21.9% | 0.9% |
% WFH | 7.6% | 105.4% |
% w/ College Degree | 30.6% | 10.9% |
As of the latest ACS Survey released in 2023, Guntersville, AL is a predominantly white area, with 83.7% of the population identifying as white. The white population has shrunk by 4.3% in the last 5 years. The second most common race or ethnicity in Guntersville, AL is black, making up 6.0% of the population. Foreign-born residents account for 3.2% of the population in Guntersville, AL, and this percentage has decreased by 36.0% 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 | 83.7% | -4.3% |
% Black | 6.0% | 1.7% |
% Hispanic | 5.1% | 50.0% |
% Asian | 0.4% | -71.4% |
% Foreign Born | 3.2% | -36.0% |
Mortgage and Risk — Guntersville, AL
According to HUD data as of 2023, there were 359 mortgage originations in Guntersville, AL, of which 76.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 27.0% above 90% LTV (very high). This implies large mortgage risk in Guntersville, AL. Investor activity is low, as 8.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 359 |
% Conventional Loans | 76.0% |
% Government Loans | 24.0% |
% Investor Loans | 8.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Guntersville, AL
Guntersville, AL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 532 |
Total Units Section 8 | 184 |
% Rentals under Section 8 | 12.2% |
% Occupied Section 8 | 95.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$500 | $1,500 | $1,000 |
| 2 Bedroom | $130 | $1,000 | $1,130 |
| 3 Bedroom | -$480 | $1,900 | $1,420 |
| 4 Bedroom | N/A | N/A | $1,580 |
Affordability — Guntersville, AL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.8 |
| Median Home Price | $292,000 |
| Median Household Income | $72,600 |