Fort Payne, AL Metro Area - Investment Guide
Metro Area • 11 Cities • 13 ZIP Codes
Avg Home Value
$221,084
Avg Monthly Rent
$766
Avg Cap Rate
2.74%
Avg Investability
3.0 ★
Cities
11
ZIP Codes
13
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🏦 30-yr Fixed Rate:
6.76%
as of Sep 10
Source: Freddie Mac PMMS
☀️
WARM MARKET
Fort Payne, AL Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅
Market conditions data as of August 29, 2026 — updated weekly
Best ZIP codes in Fort Payne, AL
Every ZIP in the metro, ranked four ways. Free.
Cities in Fort Payne, AL
Top ZIP Codes by Investability
| ZIP Code | City | State | Home Value | Rent | Cap Rate | Rating |
|---|---|---|---|---|---|---|
| 35968 | Fort Payne | AL | $227,030 | $702 | 2.41% | |
| 35981 | Ider | AL | $183,840 | $1,026 | 4.35% | |
| 35984 | Mentone | AL | $288,773 | $783 | 2.11% | |
| 35961 | Collinsville | AL | $204,827 | $765 | 2.91% | |
| 35974 | Geraldine | AL | $194,901 | $702 | 2.81% | |
| 35975 | Groveoak | AL | $224,396 | $711 | 2.47% | |
| 35986 | Rainsville | AL | $219,873 | $702 | 2.49% | |
| 35962 | Crossville | AL | $205,442 | $765 | 2.90% | |
| 35963 | Dawson | AL | $209,853 | $729 | 2.71% | |
| 35978 | Henagar | AL | $204,554 | $891 | 3.40% | |
| 35988 | Sylvania | AL | $187,151 | $702 | 2.93% | |
| 35967 | Fort Payne | AL | $202,388 | $720 | 2.77% | |
| 35979 | Higdon | AL | $193,259 | $756 | 3.05% | |
| 35961 | Collinsville | AL | $192,053 | $765 | 3.11% | |
| 35968 | Fort Payne | AL | $236,484 | $702 | 2.32% | |
| 35981 | Ider | AL | $195,900 | $1,026 | 4.09% | |
| 35984 | Mentone | AL | $306,029 | $783 | 2.00% | |
| 35962 | Crossville | AL | $191,200 | $765 | 3.12% | |
| 35974 | Geraldine | AL | $202,034 | $702 | 2.71% | |
| 35975 | Groveoak | AL | $235,908 | $711 | 2.35% | |
| 35986 | Rainsville | AL | $229,592 | $702 | 2.38% | |
| 35963 | Dawson | AL | $195,998 | $729 | 2.90% | |
| 35967 | Fort Payne | AL | $191,548 | $720 | 2.93% | |
| 35978 | Henagar | AL | $210,052 | $891 | 3.31% | |
| 35988 | Sylvania | AL | $197,499 | $702 | 2.77% | |
| 35968 | Fort Payne | AL | $221,916 | $702 | 2.47% | |
| 35979 | Higdon | AL | $202,800 | $756 | 2.91% | |
| 35981 | Ider | AL | $209,189 | $1,026 | 3.83% | |
| 35961 | Collinsville | AL | $207,990 | $765 | 2.87% | |
| 35974 | Geraldine | AL | $189,189 | $702 | 2.89% | |
| 35975 | Groveoak | AL | $219,656 | $711 | 2.52% | |
| 35984 | Mentone | AL | $316,151 | $783 | 1.93% | |
| 35962 | Crossville | AL | $206,731 | $765 | 2.89% | |
| 35978 | Henagar | AL | $198,088 | $891 | 3.51% | |
| 35986 | Rainsville | AL | $234,637 | $702 | 2.33% | |
| 35963 | Dawson | AL | $209,949 | $729 | 2.71% | |
| 35967 | Fort Payne | AL | $202,940 | $720 | 2.77% | |
| 35979 | Higdon | AL | $176,066 | $756 | 3.35% | |
| 35988 | Sylvania | AL | $204,320 | $702 | 2.68% | |
| 35961 | Collinsville | AL | $190,069 | $765 | 3.14% | |
| 35968 | Fort Payne | AL | $237,252 | $702 | 2.31% | |
| 35981 | Ider | AL | $190,737 | $1,026 | 4.20% | |
| 35984 | Mentone | AL | $293,216 | $783 | 2.08% | |
| 35962 | Crossville | AL | $183,885 | $765 | 3.24% | |
| 35974 | Geraldine | AL | $204,419 | $702 | 2.68% | |
| 35975 | Groveoak | AL | $238,228 | $711 | 2.33% | |
| 35986 | Rainsville | AL | $224,970 | $702 | 2.43% | |
| 35963 | Dawson | AL | $188,592 | $729 | 3.02% | |
| 35967 | Fort Payne | AL | $187,512 | $720 | 3.00% | |
| 35978 | Henagar | AL | $213,208 | $891 | 3.26% |
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About Fort Payne, AL Real Estate Market
The Fort Payne, AL metropolitan statistical area (MSA) encompasses 11 cities and 13 ZIP codes. The average home value across the metro is $221,084, with an average monthly rent of $766. Explore individual cities and ZIP codes to find investment opportunities that match your criteria.