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Market MapHuntsville, AL
Metropolitan Area

Huntsville, AL

Alabama04 counties
54
/100
Hold
#648 of 894 metros
Top 72% nationally for investing

Market Snapshot

$307,480
Median Home Price
26% above national median
$1,391/mo
Median Rent
0% above national median
5.43%
Rent-to-Price Ratio
Top 65% nationally
-$708
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$307,480
Down Payment (20%)$61,496
Loan Amount$245,984
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,391
Monthly P&I-$1,612
Est. Expenses (35%)-$487
Net Cash Flow-$708/mo
3.5%
Cap Rate (all cash)
-12.0%
Cash-on-Cash Return
5.43%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.5% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
54/100
54
Cash Flow(30%)
51/100

Based on 5.43% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
54/100

Based on 0.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
64/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)
  • +Multiple counties (4) for portfolio diversification

Challenges

  • -Negative cash flow at typical financing (-$708/mo)
  • -Negative leverage (cap rate 3.5% < mortgage rate 6.9%)

Counties in Huntsville, AL

Best Overall
Lawrence
AL - Score: 61
Best Cash Flow
Limestone
AL - Score: 59
Verdict
LawrenceAL
33,11661$219,484Est.BuyView
LimestoneAL
104,19959$313,300$1,5505.94%HoldView
MorganAL
123,10258$224,571$1,0615.67%HoldView
MadisonAL
389,78155$305,013$1,3865.45%HoldView

Click any county to see detailed investment analysis

Compare to Similar Metros

Metro AreaVerdict
Coffeyville, KS
Coffeyville, KS
74$93,944$7809.96%BuyView
Rockford, IL
Rockford, IL
74$206,398$1,2177.07%BuyView
Huntington, WV
Huntington, WV
74$160,064$1,0037.52%BuyView
Anniston, AL
Anniston, AL
74$167,041$1,0507.54%BuyView
Hastings, NE
Hastings, NE
74$206,722Est.BuyView
Current
Huntsville, AL
54$307,480$1,3915.43%Hold

The Bottom Line

HoldHuntsville, AL is a neutral market. Consider house hacking or targeting below-market deals in specific counties.

The Huntsville, AL metro area scores 54/100, ranking #648 of 894 US metros (top 72%). The 5.43% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Among 4 counties, Lawrence shows the strongest investment potential (score: 61). Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-708/mo
Cap Rate
3.5%
Cash-on-Cash
-13.8%

Ready to Invest in Huntsville, AL?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

Single Family1-4 unit rentalsHouse HackOwner-occupiedMultifamily5+ unit propertiesBest CountyLawrence
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