Oneonta, AL—35121
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Oneonta, AL
As of Oct '25, the median home price in Oneonta, AL is $221,000, with a year-over-year change of -0.6%. This indicates that home prices in Oneonta, AL are flat. According to Zillow, the 1-year price projection is 0.4%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $221,000 | -0.6% |
| Single Family | $221,000 | -0.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $168,000 | 1.2% |
3 Bed | $231,000 | 0.0% |
4 Bed | $347,000 | 1.8% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Oneonta, AL
As of July '25, Rentcast reports the average rent in Oneonta, AL is $1,140, with a year-over-year rent change of -24.0%. Per bedroom, the median rent as of July '25 in Oneonta, AL is 2-bedrooms: $600, 3-bedrooms: $1,410. The most common rental property sizes in Oneonta, AL are 2-bedroom and 3-bedroom, accounting for 54.7% and 25.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,020 | $1,140 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $600 | $600 |
| 3 Bed Rent | $1,020 | $1,410 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Oneonta, AL
As of Oct '25, Realtor.com reports that the median days on market for a home in Oneonta, AL is 67. This is a increase of 17.0% 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 36.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $304,000 | 19.0% |
Listing Count | 89 | 54.0% |
| Listings as % of Homes | 0.6% | 54.0% |
Days on Market | 67 | 17.0% |
Demographics — Oneonta, AL
As of the latest ACS Survey released in 2023, Oneonta, AL has a population of 16,200, which has increased by 5.1% over the past 5 years. Oneonta, AL is a moderately popular place for families, as children make up 24.1% of the population. The area has a poorly educated workforce, with 19.8% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 2.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 16,200 | 5.1% |
% Under 18 | 24.1% | 7.1% |
% Seniors | 24.2% | 26.7% |
% WFH | 2.1% | -4.5% |
% w/ College Degree | 19.8% | 47.8% |
As of the latest ACS Survey released in 2023, Oneonta, AL is a predominantly white area, with 81.8% of the population identifying as white. The white population has grown by 6.2% in the last 5 years. The second most common race or ethnicity in Oneonta, AL is hispanic, making up 13.5% of the population. Foreign-born residents account for 5.4% of the population in Oneonta, AL, and this percentage has decreased by 11.5% 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 | 81.8% | 6.2% |
% Black | 2.1% | -40.0% |
% Hispanic | 13.5% | -19.2% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 5.4% | -11.5% |
Mortgage and Risk — Oneonta, AL
According to HUD data as of 2023, there were 286 mortgage originations in Oneonta, AL, of which 76.0% of loans were conventional mortgages. The average loan-to-value was 73.0%, with 29.0% above 90% LTV (very high). This implies large mortgage risk in Oneonta, AL. Investor activity is low, as 9.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 286 |
% Conventional Loans | 76.0% |
% Government Loans | 24.0% |
% Investor Loans | 9.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Oneonta, AL
Oneonta, AL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 291 |
Total Units Section 8 | 125 |
% Rentals under Section 8 | 7.3% |
% Occupied Section 8 | 89.6% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,000 |
| 2 Bedroom | $530 | $600 | $1,130 |
| 3 Bedroom | $400 | $1,020 | $1,420 |
| 4 Bedroom | N/A | N/A | $1,580 |
Affordability — Oneonta, AL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.9 |
| Median Home Price | $221,000 |
| Median Household Income | $57,600 |