The story of this market
The typical home in ZIP 35966 sells for about $245,000, or $138 per square foot.
Prices are up +3.2% from a year ago, so sellers still have some momentum. Homes take about 62 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $782 a month.
ZIP 35966 — Flat Rock
The housing market in 35966 is characterized by low inventory and steady, modest price appreciation. Demand remains consistent with local rural housing needs, though limited by the lack of new development and distance from major employment hubs.
This ZIP is best suited for families and individuals seeking a quiet, rural lifestyle with affordable housing options and proximity to natural outdoor amenities.
Median prices moved up 3.2% year over year.
Homes spend a median of 62 days on market with 6.0 months of supply — a balanced-paced market.
12% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.9% · poverty 20.0% — 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 6.8%/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 7.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 35966, Jackson 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 Flat Rock are generally low and consistent with rural Jackson County, with no significant upward trends reported.
Schools serving the area are part of the Jackson County School District, which maintains a rural focus with moderate performance ratings.
The area is subject to standard regional risks including severe thunderstorms and occasional high winds; flood risk is localized to specific low-lying areas near water bodies.
Economic momentum is driven by local agriculture and small-scale manufacturing, with limited large-scale commercial development currently underway.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Alabama) — Current Use Valuation: Allows property to be taxed based on its current use value rather than fair market value, potentially reducing the tax burden. Conversion to a non-qualified use triggers revaluation and potential back-tax liability. State (Alabama) — Class III Residential Property Tax Assessment: Property is assessed at 10% of its fair market value. The tax liability is calculated by multiplying the assessed value by the local millage rate. A standard homestead exemption applies to the 6.5 mill statewide property tax on the first $4,000 of assessed valuation. 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.
Commuting is primarily car-dependent, with residents typically driving to employment centers in Scottsboro or across the state line into Tennessee.
The area offers access to outdoor recreation including hiking and fishing, with proximity to the scenic landscapes of the Cumberland Plateau.
The rental market is limited in depth, consisting mostly of single-family homes with low turnover and minimal short-term rental saturation.
The local economy is anchored by agriculture, forestry, and small-scale local services, with many residents commuting to larger industrial hubs in the region.
Transportation is entirely reliant on private vehicles, with no public transit infrastructure serving the rural geography.
There are no major large-scale commercial or residential developments currently approved or under construction in this ZIP.
The Jackson County Revenue Commissioner handles property assessments, utilizing a standard county-wide appraisal cycle.
Parcels are subject to Jackson County school and general fund taxes, with no major MUD or PID districts reported.
Property insurance premiums are influenced by regional wildfire and storm risk, remaining relatively stable compared to coastal Alabama markets.
Data retrieved from US Census Bureau ZCTA-level tables.
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.
Local community park providing green space and recreational facilities.
Offers extensive hiking and scenic outdoor opportunities.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.