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Spanish Fort, AL—36527

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$389,000
0.5% YoY Growth
Household Income
$113,000
23.5% YoY Growth
Days on Market
71
49.0% Longer YoY
Home Price Forecast
0.6%
Median Rent
$1,900
4.2% YoY Growth
1-Bed Rent
$1,200
N/A
2-Bed Rent
$1,620
12.4% YoY Growth
3-Bed Rent
$1,750
5.7% YoY Growth
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Spanish Fort, AL

As of May '26, the median home price in Spanish Fort, AL is $389,000, with a year-over-year change of 0.5%. This indicates that home prices in Spanish Fort, AL are flat. 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 TypeMedian Home ValueYoY % Change
All Homes
$389,0000.5%
Single Family $391,0000.5%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed

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  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		N/AN/A
    3 Bed
    		$305,000-0.7%
    4 Bed
    		$433,0000.7%
    5 Bed $584,6231.0%
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    % of Housing Stock

    Studio
    0.3%
    1 Bedroom
    11.9%
    2 Bedrooms
    12.1%
    3 Bedrooms
    27.0%
    4 Bedrooms
    36.8%
    5+ Bedrooms
    12.0%

    Rental Trends — Spanish Fort, AL

    As of July '25, Rentcast reports the average rent in Spanish Fort, AL is $2,030, with a year-over-year rent change of -4.2%. Per bedroom, the median rent as of July '25 in Spanish Fort, AL is 1-bedrooms: $1,230, 2-bedrooms: $1,620, 3-bedrooms: $1,820, 4-bedrooms: $2,300. The most common rental property sizes in Spanish Fort, AL are 1-bedroom and 2-bedroom, accounting for 35.2% and 33.0% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$1,900$2,030
    Studio Rent N/AN/A
    1 Bed Rent $1,200$1,230
    2 Bed Rent $1,620$1,620
    3 Bed Rent $1,750$1,820
    4 Bed Rent $2,250$2,300
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    % of Rental Stock

    Studio
    1.2%
    1 Bedroom
    35.2%
    2 Bedrooms
    33.0%
    3 Bedrooms
    12.7%
    4 Bedrooms
    16.4%
    5+ Bedrooms
    1.6%

    Property Listings — Spanish Fort, AL

    As of May '26, Realtor.com reports that the median days on market for a home in Spanish Fort, AL is 71. This is a increase of 49.0% 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.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$432,0002.0%
    Listing Count
    		22317.0%
    Listings as % of Homes1.1%17.0%
    Days on Market
    		7149.0%
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    Demographics — Spanish Fort, AL

    As of the latest ACS Survey released in 2023, Spanish Fort, AL has a population of 21,200, which has increased by 38.6% over the past 5 years. Spanish Fort, AL is a popular place for families, as children make up 30.5% of the population. The area has a moderately educated workforce, with 43.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.9% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		21,20038.6%
    % Under 18
    		30.5%7.8%
    % Seniors
    		13.5%9.8%
    % WFH
    		9.9%67.8%
    % w/ College Degree
    		43.2%-11.7%
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    As of the latest ACS Survey released in 2023, Spanish Fort, AL is a predominantly white area, with 79.8% of the population identifying as white. The white population has shrunk by 4.5% in the last 5 years. The second most common race or ethnicity in Spanish Fort, AL is black, making up 5.9% of the population. Foreign-born residents account for 5.7% of the population in Spanish Fort, AL, and this percentage has decreased by 5.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		79.8%-4.5%
    % Black
    		5.9%1.7%
    % Hispanic
    		5.0%61.3%
    % Asian
    		1.6%-23.8%
    % Foreign Born
    		5.7%-5.0%
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    Mortgage and Risk — Spanish Fort, AL

    According to HUD data as of 2023, there were 600 mortgage originations in Spanish Fort, AL, of which 71.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 31.0% above 90% LTV (very high). This implies large mortgage risk in Spanish Fort, AL. Investor activity is low, as 0.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		600
    % Conventional Loans
    		71.0%
    % Government Loans
    		29.0%
    % Investor Loans
    		0.0%
    % Second Loans
    		1.0%
    % Cash Out Refinance
    		10.0%
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    Rentals and Section 8 — Spanish Fort, AL

    As of 2024, the percent of homes in Spanish Fort, AL under the Section 8 program is 0.7%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 3-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Spanish Fort, AL, because HUD payments exceed market rent, while 2-bedroom units do not.

    Section 8 Market Size

    Total Units under HUD
    		11
    Total Units Section 8
    		11
    % Rentals under Section 8
    		0.7%
    % Occupied Section 8
    		65.0%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 Bedroom$60$1,200$1,260
    2 Bedroom-$120$1,620$1,500
    3 Bedroom$120$1,750$1,870
    4 Bedroom$130$2,250$2,380

    Affordability — Spanish Fort, AL

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio3.3
    Median Home Price$389,000
    Median Household Income$113,000

    Spanish Fort, AL — ZIP Code Boundary Map

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    Frequently Asked Questions