Rock Creek, AL—35023
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Rock Creek, AL
As of Oct '25, the median home price in Rock Creek, AL is $167,000, with a year-over-year change of -0.4%. This indicates that home prices in Rock Creek, AL are flat. 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 | $167,000 | -0.4% |
| Single Family | $167,000 | 0.6% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $104,000 | 0.0% |
3 Bed | $170,000 | 0.6% |
4 Bed | $247,000 | 1.6% |
| 5 Bed | $294,000 | 1.4% |
% of Housing Stock
Rental Trends — Rock Creek, AL
As of July '25, Rentcast reports the average rent in Rock Creek, AL is $1,230, with a year-over-year rent change of 0.0%. Per bedroom, the median rent as of July '25 in Rock Creek, AL is 2-bedrooms: $960, 3-bedrooms: $1,350, 4-bedrooms: $1,200. The most common rental property sizes in Rock Creek, AL are 3-bedroom and 2-bedroom, accounting for 47.1% and 32.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,250 | $1,230 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $900 | $960 |
| 3 Bed Rent | $1,360 | $1,350 |
| 4 Bed Rent | $1,200 | $1,200 |
% of Rental Stock
Property Listings — Rock Creek, AL
As of Oct '25, Realtor.com reports that the median days on market for a home in Rock Creek, AL is 59. This is a decrease of -20.0% 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 26.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $172,000 | -11.0% |
Listing Count | 148 | 15.0% |
| Listings as % of Homes | 0.9% | 15.0% |
Days on Market | 59 | -20.0% |
Demographics — Rock Creek, AL
As of the latest ACS Survey released in 2023, Rock Creek, AL has a population of 25,200, which has increased by 3.8% over the past 5 years. Rock Creek, AL is a popular place for families, as children make up 25.4% of the population. The area has a poorly educated workforce, with 19.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 25,200 | 3.8% |
% Under 18 | 25.4% | 12.9% |
% Seniors | 17.6% | 7.3% |
% WFH | 6.4% | 137.0% |
% w/ College Degree | 19.2% | 39.1% |
As of the latest ACS Survey released in 2023, Rock Creek, AL is a predominantly white area, with 58.4% of the population identifying as white. The white population has shrunk by 12.0% in the last 5 years. The second most common race or ethnicity in Rock Creek, AL is black, making up 30.4% of the population. Foreign-born residents account for 3.8% of the population in Rock Creek, AL, and this percentage has increased by 375.0% 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 | 58.4% | -12.0% |
% Black | 30.4% | -1.3% |
% Hispanic | 7.1% | 373.3% |
% Asian | 0.4% | 33.3% |
% Foreign Born | 3.8% | 375.0% |
Mortgage and Risk — Rock Creek, AL
According to HUD data as of 2023, there were 488 mortgage originations in Rock Creek, AL, of which 66.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 41.0% above 90% LTV (very high). This implies large mortgage risk in Rock Creek, AL. Investor activity is low, as 4.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 488 |
% Conventional Loans | 66.0% |
% Government Loans | 34.0% |
% Investor Loans | 4.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Rock Creek, AL
Rock Creek, AL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 153 |
Total Units Section 8 | 153 |
% Rentals under Section 8 | 9.1% |
% Occupied Section 8 | 87.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,160 |
| 2 Bedroom | $380 | $900 | $1,280 |
| 3 Bedroom | $240 | $1,360 | $1,600 |
| 4 Bedroom | $610 | $1,200 | $1,810 |
Affordability — Rock Creek, AL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.4 |
| Median Home Price | $167,000 |
| Median Household Income | $69,300 |