The story of this market
The typical home in ZIP 35541 sells for about $245,000, or $158 per square foot.
Prices are down 2.1% from a year ago, which gives buyers more room to negotiate. Homes take about 82 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $960 a month.
ZIP 35541 — Arley
The Arley housing market is currently stable, characterized by a high share of owner-occupied homes and a strong reliance on the Smith Lake recreational economy. While sales volume has slowed slightly, prices remain supported by demand for waterfront and rural lifestyle properties. The market is currently balanced, with inventory levels sufficient to meet the moderate demand from seasonal buyers.
This ZIP is ideal for retirees, second-home buyers, and outdoor enthusiasts seeking lakefront living, rather than daily commuters to major urban centers.
Median prices moved down 2.1% year over year.
Homes spend a median of 82 days on market with 9.0 months of supply — a slower-moving market.
13% of listings have cut prices · homes sell at 96.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.8% · poverty 26.1% — a mixed stability profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 35541, Winston County AL
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in the Arley area are generally low, consistent with rural Winston County, though specific localized trend data is not determinable.
Schools serving the area are part of the Winston County School District, which provides standard rural public education services.
The area faces moderate risks related to severe thunderstorms and potential wind damage, with flood risks primarily concentrated near Smith Lake shorelines.
Economic momentum is largely driven by recreational tourism and residential development surrounding Smith Lake, with limited industrial expansion.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Alabama) — Class 3 Residential Property Tax Assessment: Residential property is classified as Class 3 and assessed at 10 percent of its fair market value. A standard homestead exemption applies to the 6.5 mill statewide property tax on the first $4,000 of assessed valuation. State (Alabama) — Standard State Ad Valorem Homestead Exemption: Exempts up to $4,000 in assessed valuation from the 6.5 mill state ad valorem tax levy (providing a maximum direct state tax reduction of $26.00). Formula: Adjusted State Tax = Max(0, (Assessed Value - $4,000)) × 0.0065. State (Alabama) — Statewide Ad Valorem Property Tax and Class III Residential Assessment Ratio: Establishes a baseline 6.5 statewide millage rate ($0.0065 per dollar of assessed value) under Ala. Code § 40-8-1 and the Alabama Constitution.
Commuting is primarily car-dependent, with residents typically driving 45-60 minutes to reach employment hubs in Jasper or the Birmingham metro area.
The area is a premier destination for water-based recreation, featuring extensive access to Smith Lake for boating, fishing, and camping.
The rental market is heavily influenced by seasonal and short-term vacation rentals catering to lake visitors, resulting in limited long-term inventory.
The local economy is primarily supported by tourism, small-scale retail, and services related to the Smith Lake recreational market.
Development is largely focused on residential infill and lakefront property improvements rather than large-scale commercial projects.
Parcels are subject to Winston County school and general fund taxes, with no major MUD or PID districts reported.
Property insurance premiums are rising due to regional exposure to severe weather events, particularly wind and hail.
Data retrieved from data.census.gov ZCTA 35541 profile.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
A massive reservoir known for clear water, fishing, and boating.
Provides essential boat access and services for lake residents.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.