Cottondale, AL—35453
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Cottondale, AL
Home Price Trends — Cottondale, AL
As of Nov '25, the median home price in Cottondale, AL is $178,000, with a year-over-year change of -4.5%. This indicates that home prices in Cottondale, AL are decreasing. According to Zillow, the 1-year price projection is -0.6%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $178,000 | -4.5% |
| Single Family | $178,000 | -4.8% |
| 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 | $227,000 | 1.3% |
4 Bed | $293,000 | 0.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cottondale, AL
As of July '25, Rentcast reports the average rent in Cottondale, AL is $1,550, with a year-over-year rent change of 0.0%. Per bedroom, the median rent as of July '25 in Cottondale, AL is 2-bedrooms: $1,650, 3-bedrooms: $1,500, 4-bedrooms: $1,620. The most common rental property sizes in Cottondale, AL are 3-bedroom and 2-bedroom, accounting for 33.5% and 31.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,620 | $1,550 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,650 | $1,650 |
| 3 Bed Rent | $1,620 | $1,500 |
| 4 Bed Rent | $1,600 | $1,620 |
% of Rental Stock
Property Listings — Cottondale, AL
As of Nov '25, Realtor.com reports that the median days on market for a home in Cottondale, AL is 55. This is a decrease of -7.0% 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 22.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $265,000 | 5.0% |
Listing Count | 36 | -4.0% |
| Listings as % of Homes | 0.6% | -4.0% |
Days on Market | 55 | -7.0% |
Demographics — Cottondale, AL
As of the latest ACS Survey released in 2023, Cottondale, AL has a population of 12,500, which has increased by 15.3% over the past 5 years. Cottondale, AL is a moderately popular place for families, as children make up 23.5% of the population. The area has a poorly educated workforce, with 15.8% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 12,500 | 15.3% |
% Under 18 | 23.5% | -6.0% |
% Seniors | 11.9% | -7.8% |
% WFH | 4.6% | 187.5% |
% w/ College Degree | 15.8% | 41.1% |
As of the latest ACS Survey released in 2023, Cottondale, AL is a predominantly white area, with 68.8% of the population identifying as white. The white population has shrunk by 8.4% in the last 5 years. The second most common race or ethnicity in Cottondale, AL is black, making up 20.2% of the population. Foreign-born residents account for 2.6% of the population in Cottondale, AL, and this percentage has decreased by 33.3% 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 | 68.8% | -8.4% |
% Black | 20.2% | 26.2% |
% Hispanic | 9.0% | 47.5% |
% Asian | 0.5% | ∞% |
% Foreign Born | 2.6% | -33.3% |
Mortgage and Risk — Cottondale, AL
According to HUD data as of 2023, there were 135 mortgage originations in Cottondale, AL, of which 61.0% of loans were conventional mortgages. The average loan-to-value was 76.0%, with 53.0% above 90% LTV (very high). This implies large mortgage risk in Cottondale, AL. Investor activity is low, as 3.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 135 |
% Conventional Loans | 61.0% |
% Government Loans | 39.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 15.0% |
Rentals and Section 8 — Cottondale, AL
Cottondale, AL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 25 |
Total Units Section 8 | 25 |
% Rentals under Section 8 | 4.7% |
% Occupied Section 8 | 75.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $870 |
| 2 Bedroom | -$580 | $1,650 | $1,070 |
| 3 Bedroom | -$260 | $1,620 | $1,360 |
| 4 Bedroom | -$180 | $1,600 | $1,420 |
Affordability — Cottondale, AL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.7 |
| Median Home Price | $178,000 |
| Median Household Income | $70,200 |