Real Estate Investing in Gurley, Alabama (35748)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Madison County • Population: 7,311 • Data updated: September 2026

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Should you buy in 35748 (Gurley, AL)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (55/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • Elevated vacancy: 8.1% vacancy may signal weakening demand.
  • High price-to-rent: Price-to-rent ratio 28.0 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Gurley, AL (35748)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $342,098
Avg Monthly Rent $1,017
1% Rule ✗ Does Not Meet
Median Income $90,500
% Renters 14.0%

Market Analysis: 35748 Gurley

Not every below-median market is a bargain. Gurley's 35748 ZIP shows signals that favor experienced operators who can absorb the risk $342K pricing implies.

Distressed markets are won on execution, not on spreadsheets. ZIP 35748 sits at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

The gap between 35748 and stronger Gurley ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Who lives in 35748 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The 35748 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Gurley:

C+ Average
Buy Confidence Score: 63/100
Affordability
15/25
Appreciation
14/25
Stability
9/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Stable (+1.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,017/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Huntsville, AL Metro Area
More inventory, negotiating room for buyers
57 days
Average time to sell
Average
10.7%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Huntsville, AL metro data
🏠

Property Strategy for 35748

Which property type performs best in this market?

Best for Cash Flow
3BR
3.1% cap rate
Best for Appreciation
4BR
+8.5% 5yr CAGR
Best Overall Value
3BR
$113,375/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $340,125 $1,450 3.1% +8.0% $113,375
4BR $655,286 $1,770 1.9% +8.5% $163,822
5BR $781,112 +7.2% $156,222

Market Trends

Home Value History (with trend line)

$376K$316K$256K$196K$135K$75KApr 2009Dec 2017Jul 2026

📊 How Does 35748 Compare?

Metric 35748 Gurley Huntsville, AL Alabama
Home Value $342,098 $342,098 N/A $231,003
5-Year CAGR 2.4% 2.4% N/A 5.6%
Avg Rent $1,017 $1,017 N/A -
Cap Rate 2.3% 2.3% - -
💡 Why Invest in 35748? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 35748 (Gurley, AL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.3%
Low
5yr Growth
+2.4%
Slow

📉 Market Crash Risk Index

Based on Huntsville, AL metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
52%
Days Pending
1/2
57 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $342,098
Monthly Rent $1,017
Price-to-Rent 28.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.6%
Cap Rate 2.3%
5-Year IRR 4.8%

📈 Home Appreciation

1-Year +1.6% ▲
3-Year CAGR -0.6% ▼
5-Year CAGR +2.4% ▲
10-Year CAGR +5.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.3%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
8.1%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+2.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 35748

Population: 7,311

💰 Median Household Income
$90,500
This area
$90,500
State
$56,875
USA
$74,580
🏠 Renter Occupied
14.0%
This area
14.0%
State
24.9%
USA
34.0%
💼 Unemployment Rate
1.5%
This area
1.5%
State
-24.3%
USA
3.7%
🎓 College Educated
44.5%
This area
44.5%
State
-11.9%
USA
33.7%
👤 Median Age
52.8 years
This area
52.8 years
State
-0.9 years
USA
38.9 years
🏚️ Vacancy Rate
8.1%
This area
8.1%
State
20.4%
USA
10.5%
👥 Population by Ethnicity
White 91.5%
Other/Mixed 4.6%
Black/African American 3.3%
Hispanic/Latino 0.9%
Asian 0.6%
👶 Under 18
18.7%
This area
18.7%
USA
22.0%
👴 65 and Over
21.9%
This area
21.9%
USA
17.3%
📊 Poverty Rate
5.8%
This area
5.8%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 35748

B+ Avg School Grade
2 Schools
14.6:1 Avg Class Size
$11,512 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Madison County Elementary School

📚 Pre-K – 08 School
👥
408 Students
👨‍🏫
14.3:1 Class Size
💰
$11,512 Per Student
B+ Above Average

Madison County High School

📚 09 – 12 High School
👥
464 Students
👨‍🏫
15.0:1 Class Size
💰
$11,512 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

4 Nearby 990 Off-Campus Students
C
J. F. Drake State Community and Technical College
1,011 students · 11.0 mi
C+
Alabama A & M University
6,614 students · 11.0 mi
C
Huntsville Bible College
121 students · 11.8 mi
C+
University of Alabama in Huntsville
8,743 students · 14.2 mi

Investor Insight: With 990 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How do home values compare in Gurley, AL?

In Gurley, AL the median home value sits at $342K. Against the broader AL market, that reads as reasonable for most investors.

What is the best play in Gurley, AL?

For Gurley, AL, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

How strict are landlord regulations in Gurley, AL?

Rental owners in Gurley, AL deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

Can I live-in-and-rent in Gurley, AL?

House hacking in Gurley, AL is a challenging. With home values around $342K and rents at $1,017/mo, owner-occupants can offset a meaningful share of PITI.

What is the rental occupancy rate in Gurley, AL?

Occupancy in Gurley, AL runs measured with elevated vacancy. Well-priced units at $1,017/mo lease on reasonable timelines.

You know 35748 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 35748 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 35748 ranks in Huntsville, AL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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