The story of this market
The typical home in ZIP 35976 sells for about $315,000, or $185 per square foot.
Prices are roughly flat from a year ago (0%), a market in balance. Homes take about 68 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $849 a month.
ZIP 35976 — Guntersville
The 35976 housing market exhibits stability with a median listing price of $315,000 and consistent demand for lakefront and residential properties. Market activity remains balanced, supported by steady interest from both local buyers and those relocating for the area's recreational amenities.
This ZIP is ideal for families, retirees, and outdoor enthusiasts who value lakefront living and a slower pace of life while remaining within commuting distance of larger regional employment centers.
Median prices moved sideways 0.0% year over year.
Homes spend a median of 68 days on market with 5.2 months of supply — a balanced-paced market.
12% of listings have cut prices · homes sell at 97% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 14.9% — a stable, low-distress 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 7.4%/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 5.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 35976, Marshall 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 Guntersville are generally lower than the national average, with property crime being the most frequently reported incident type.
Schools in the area are primarily served by the Marshall County and Guntersville City school systems, which generally maintain average to above-average performance ratings.
The area is subject to standard regional risks including severe thunderstorms and occasional tornado activity, with specific flood risks associated with proximity to Lake Guntersville.
Economic momentum is driven by tourism, outdoor recreation, and a growing manufacturing base in the surrounding Marshall County region.
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.
Commutes are primarily car-dependent, with residents traveling via US-431 and AL-79 toward employment hubs in Huntsville and Albertville.
The area is anchored by Lake Guntersville, offering extensive boating, fishing, and hiking opportunities at Guntersville State Park, alongside local shopping and dining in the historic downtown district.
The rental market shows steady demand with a mix of long-term residential leases and seasonal vacation rentals driven by lake tourism.
The local economy is supported by tourism, retail, and manufacturing, with proximity to the Huntsville aerospace and technology corridor providing additional employment opportunities.
Transportation is primarily served by highway corridors US-431 and AL-79, with limited public transit options available.
Development is focused on enhancing lakefront accessibility and expanding residential infrastructure to accommodate population growth.
The Marshall County Revenue Commissioner manages property assessments, utilizing a mass appraisal system to determine fair market value for tax purposes.
Parcels are subject to Marshall County and Guntersville City school district taxes, along with standard municipal utility and fire protection districts.
Property insurance premiums are influenced by regional weather patterns, including wind and hail exposure, with flood insurance often required for lakefront properties.
Data retrieved from data.census.gov 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.
A major regional attraction offering hiking, golf, and lake access.
Features local history and cultural exhibits.
Historic district with local boutiques and restaurants.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.