Sep 2026
$261K
+4.5% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Decatur, AL housing market
Decatur, AL metro median sale price $261K in Sep 2026, up 4.5% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Decatur, AL metro is $261K as of Sep 2026, up 4.5% from a year earlier. The gain is larger than in most of the 383 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro shows a smaller change, up 2.0% through Q2 2026, 2.5 points apart; Price reconciliation below shows both.
On median sale price, Decatur ($261K) ranks 7th of the 12 Alabama metros Pecan Street tracks, between Montgomery ($273K) and Florence ($252K). On median days on market, Decatur (69 days) ranks 4th of the 12 Alabama metros, between Gadsden (70 days) and Florence (69 days). On share of listings with a price cut, Decatur (37%) ranks 2nd of the 12 Alabama metros, between Florence (40%) and Huntsville (35%).
Listings spent a median 69 days on market in Sep 2026, more than in most of the 385 metros. 37% of active listings carry a price cut, 0.1 points fewer than a year earlier. Median asking prices sit about 14% above the median sale price.
At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $1,428 a month; at 28% of gross income, that takes about $61K a year. The median sale price equals about 17 years of HUD Fair Market Rent, a ratio up 0.3% from a year earlier. That ratio is higher than in most of the 373 metros. Active listings ask a median $151 per square foot, up 2.0% from a year earlier.
In three of the four ZIP codes in the table below, median list prices are higher than a year earlier; one is lower.
Headline
Oct 15, 2026
7.29%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,428/mo
$61K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Decatur compares to other U.S. metros
| Asking-vs-sale gap | ↑5th of 292 (top 2%) |
|---|---|
| Days on market | ↑88th of 385 (top 23%) |
| Home-price growth | ↑103rd of 383 (top 27%) |
| Price-to-rent | ↑128th of 373 (top 35%) |
| Price cuts | 190th of 385 (top 50%) |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 17 +0.3% YoY ↑128th of 373 (top 35%) |
|---|---|
| Asking price / sq ft | $151 +2.0% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 37% -0.1 pts YoY 190th of 385 (top 50%) |
|---|
The median asking price $298K runs about 14% above the median sale price $261K.
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 4 shown of 16 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
amber · 2.5ppRedfin (metro) +4.5% | FHFA HPI · Q2 2026 +2.0% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
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Start free trialZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 35601 | $238K↓ | 127↓ | 30↑ | 52↓ | 65↓ | $173K↓ |
| 35603 | $335K↑ | 171↓ | 40↓ | 58↑ | 71↑ | $277K↓ |
| 35640 | $309K↑ | 80↓ | 36↑ | 40↓ | 61↓ | $241K↑ |
| 35650 | $297K↑ | 54↑ | 8↓ | 16↑ | 77↑ | $222K↓ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.