Real Estate Investing in Stevenson, Alabama (35772)

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

Jackson County • Population: 4,847 • Data updated: September 2026

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Should you buy in 35772 (Stevenson, AL)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

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
  • High vacancy: 18.5% of homes vacant — above national norms.
  • Lower household income: $38,333 median — tenant affordability is tighter.

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

What’s happening in Stevenson, AL (35772)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $181,465
Avg Monthly Rent $729
1% Rule ✗ Does Not Meet
Median Income $38,333
% Renters 27.7%

Market Analysis: 35772 Stevenson

The 35772 ZIP covers a section of Stevenson that demands careful diligence. Prices near $181K look accessible, but the work to make a deal cash flow is real.

Rent of $729/mo on a $181K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 35772 sits below the stated 0.0% once reality is priced in.

Nearby ZIPs in Stevenson have seen price recovery that 35772 has not matched. Jackson County data supports the view that the spread is structural rather than temporary.

Demographically, 35772 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Strategically, 35772 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Stevenson:

C+ Average
Buy Confidence Score: 63/100
Affordability
10/25
Appreciation
25/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.7× the median income
Value Trend
Rising (+13.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $729/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Scottsboro, AL Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.6%
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 Scottsboro, AL metro data

Market Trends

Home Value History (with trend line)

$191K$164K$137K$110K$83K$57KDec 2009Apr 2018Jul 2026

📊 How Does 35772 Compare?

Metric 35772 Stevenson Scottsboro, AL Alabama
Home Value $181,465 $181,465 N/A $231,003
5-Year CAGR 7.1% 7.1% N/A 5.6%
Avg Rent $729 $729 N/A -
Cap Rate 3.1% 3.1% - -
💡 Why Invest in 35772? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 35772 (Stevenson, AL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+7.1%
Strong

📉 Market Crash Risk Index

Based on Scottsboro, AL metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
74%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $181,465
Monthly Rent $729
Price-to-Rent 20.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.8%
Cap Rate 3.1%
5-Year IRR 10.2%

📈 Home Appreciation

1-Year +13.7% ▲
3-Year CAGR +4.8% ▲
5-Year CAGR +7.1% ▲
10-Year CAGR +6.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). 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
18.5%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.1%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 35772

Population: 4,847

💰 Median Household Income
$38,333
This area
$38,333
State
$56,875
USA
$74,580
🏠 Renter Occupied
27.7%
This area
27.7%
State
24.9%
USA
34.0%
💼 Unemployment Rate
2.6%
This area
2.6%
State
-24.3%
USA
3.7%
🎓 College Educated
10.7%
This area
10.7%
State
-11.9%
USA
33.7%
👤 Median Age
41.8 years
This area
41.8 years
State
-0.9 years
USA
38.9 years
🏚️ Vacancy Rate
18.5%
This area
18.5%
State
20.4%
USA
10.5%
👥 Population by Ethnicity
White 80.8%
Black/African American 11.5%
Other/Mixed 7.6%
Hispanic/Latino 5.0%
👶 Under 18
22.5%
This area
22.5%
USA
22.0%
👴 65 and Over
19.0%
This area
19.0%
USA
17.3%
📊 Poverty Rate
15.4%
This area
15.4%
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 35772

B Avg School Grade
3 Schools
19.7:1 Avg Class Size
$15,847 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Stevenson Elementary School

📚 Pre-K – 04 Elementary
👥
356 Students
👨‍🏫
17.4:1 Class Size
💰
$15,847 Per Student
B Good

North Jackson High School

📚 09 – 12 High School
👥
427 Students
👨‍🏫
21.4:1 Class Size
💰
$15,847 Per Student
B Good

Stevenson Middle School

📚 05 – 08 School
👥
254 Students
👨‍🏫
20.3:1 Class Size
💰
$15,847 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.

Frequently Asked Questions

How qualified is the tenant pool in Stevenson, AL?

The tenant pool in Stevenson, AL is solid, supported by local employment and population fundamentals. Rents of $729/mo are well-absorbed by the market.

Is Stevenson, AL a good market for buy-and-hold investors?

Investors tracking Stevenson, AL will find a 3.0/5 rating supported by $181K median home values and $729/mo rents. That profile suits long-term holders targeting reliable returns.

What is the average home sale price in Stevenson, AL?

Expect median prices around $181K in Stevenson, AL. The market has run at a 0.0% 5-year CAGR, so entry costs have been stable.

Is Stevenson, AL good for landlords?

Stevenson, AL falls under AL landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.

Does a duplex house hack pencil in Stevenson, AL?

The a challenging house-hack environment in Stevenson, AL reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

You know 35772 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 35772 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 35772 ranks in Scottsboro, AL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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