Cottonwood, AL—36320
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cottonwood, AL
As of Oct '25, the median home price in Cottonwood, AL is $158,000, with a year-over-year change of 2.1%. This indicates that home prices in Cottonwood, AL are increasing. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $158,000 | 2.1% |
| Single Family | $158,000 | 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 | $198,000 | 3.7% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cottonwood, AL
Cottonwood, 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 — Cottonwood, AL
As of Oct '25, Realtor.com reports that the median days on market for a home in Cottonwood, AL is 37. This is a increase of 68.0% 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 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $247,000 | -20.0% |
Listing Count | 10 | -50.0% |
| Listings as % of Homes | 0.3% | -50.0% |
Days on Market | 37 | 68.0% |
Demographics — Cottonwood, AL
As of the latest ACS Survey released in 2023, Cottonwood, AL has a population of 3,140, which has decreased by -15.4% over the past 5 years. Cottonwood, AL is a less popular place for families, as children make up 14.6% of the population. The area has a poorly educated workforce, with 13.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,140 | -15.4% |
% Under 18 | 14.6% | -31.5% |
% Seniors | 26.5% | 77.9% |
% WFH | 5.8% | 163.6% |
% w/ College Degree | 13.4% | 42.6% |
As of the latest ACS Survey released in 2023, Cottonwood, AL is a predominantly white area, with 78.3% of the population identifying as white. The white population has shrunk by 4.0% in the last 5 years. The second most common race or ethnicity in Cottonwood, AL is black, making up 14.3% of the population. Foreign-born residents account for 1.4% of the population in Cottonwood, AL, and this percentage has increased by 7.7% 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 | 78.3% | -4.0% |
% Black | 14.3% | -4.0% |
% Hispanic | 3.8% | 442.9% |
% Asian | 0.3% | 200.0% |
% Foreign Born | 1.4% | 7.7% |
Mortgage and Risk — Cottonwood, AL
According to HUD data as of 2023, there were 105 mortgage originations in Cottonwood, AL, of which 70.0% of loans were conventional mortgages. The average loan-to-value was 70.0%, with 41.0% above 90% LTV (very high). This implies large mortgage risk in Cottonwood, AL. Investor activity is low, as 1.0% 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 | 105 |
% Conventional Loans | 70.0% |
% Government Loans | 30.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Cottonwood, AL
Cottonwood, AL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 66 |
Total Units Section 8 | 13 |
% Rentals under Section 8 | 0.3% |
% Occupied Section 8 | 87.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $670 |
| 2 Bedroom | N/A | N/A | $820 |
| 3 Bedroom | N/A | N/A | $1,120 |
| 4 Bedroom | N/A | N/A | $1,270 |
Affordability — Cottonwood, AL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $158,000 |
| Median Household Income | $45,400 |