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City · 8,916 residents · Marshall County, Alabama

Guntersville , Alabama

In Guntersville, a typical home is worth $324,800 and typical rent is $842 a month. Compared with all of Marshall County, the typical home value is 61% higher, typical household income is 9% higher, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $324,800

    61% above the county

    55% above Alabama

    • Guntersville
    • Marshall
    • Alabama

  • Typical rent

    $842a month

    6% above the county

    16% below Alabama

    • Guntersville
    • Marshall
    • Alabama

  • Typical household income

    $67,929a year

    9% above the county

    6% above Alabama

    • Guntersville
    • Marshall
    • Alabama

  • Households that own their home

    65%

    10 points below the county

    5 points below Alabama

    • Guntersville
    • Marshall
    • Alabama

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$302,659
3% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Guntersville is in Marshall County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Marshall County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Guntersville apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Guntersville is worth $324,800, 61% more than in Marshall County as a whole ($201,500).

  2. Nearby, in Albertville, the typical home value is $188,400: 42% less than in Guntersville ($324,800).

  3. Nearby, in Rainsville, the typical rent is $519: 38% less than in Guntersville ($842).

  4. 65% of households in Guntersville own their home, against 76% in Marshall County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Guntersville

What homes there are in Guntersville, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is the most common home in Guntersville: 76% of homes, near the figure in Marshall County (76%).

Year built

The typical home in Guntersville was built in 1980, 6 years before the typical one in Marshall County.

There are fewer big homes in Guntersville than in Marshall County: 70% have 3 bedrooms or more, against 74%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for Marshall County is $541,287, and about 82% of owner-occupied homes in Guntersville are worth less than that.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($925), about 63% of rented homes in Guntersville cost less.

With a mortgage

$1,813 a month

Marshall County: $1,308 a month

Without a mortgage

$461 a month

Marshall County: $394 a month

Owners with a mortgage

58%

Marshall County: 53%

The typical cost for an owner with a mortgage in Guntersville is $1,813 a month, more than in Marshall County ($1,308); without one, $461.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Guntersville rose 69%; in Marshall County, it rose 56%.

Since 2015–2019, the typical rent in Guntersville rose 37%, more than in Marshall County (23%).

To compare: typical income in Guntersville rose 50%; the home, +69%; the rent, +37%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureGuntersvilleMarshall CountyAlabamaUnited States
Rental vacancy 4.6%4.7%7.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate2.1%1.7%3.4%
People per household 2.432.712.482.53
Drive alone 83%81%81%69%
Carpool 6%11%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike 1%1%1%3%
Work from home 9%6%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Open rentals in Guntersville look like those in Marshall County: the rental vacancy rate is 4.6%.

On average, a household in Guntersville has 2.43 people, fewer than in Marshall County (2.71).

In Guntersville, 83% of workers drive alone to work; in Marshall County, 81%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Guntersville?

A typical home costs more than the typical income allows

We start with a typical home in Guntersville, worth $324,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Guntersville, which is $67,929 a year. For that payment to be 28% of income, a household would need to earn about $108,724 a year.

The calculator's FHA and conventional loan limits are those of all of Marshall County.

Your numbers

Local data
$

Starts at the typical home value in Guntersville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $11,368 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,537

at 7.18% · 30 years

Loan amount
$318,917
Total interest
$458,847
Paid off in
November 2056

Includes $5,485 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,585 a month

  • Tight

    $1,585 to $2,038 a month

  • Hard

    more than $2,038 a month

    Your payment · 45%

Compared with the typical household income in Guntersville ($67,929 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,537
Principal & interest$2,160
Property tax$97
Home insurance$135
FHA mortgage insurance (MIP)$144

You need at least $11,368 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Guntersville and Marshall County

Guntersville is in Marshall County, Alabama. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Guntersville's own numbers

Typical home value
$324,800
Typical monthly rent
$842
Typical yearly household income
$67,929
Households that own their home
65%
Effective property tax rate
0.36%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Marshall County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$925
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Marshall County.

Everything about Marshall County

Buying

Buying a home in Guntersville

A typical home in Guntersville is worth $324,800: 61% above the county and 55% above Alabama. With the typical household income in Guntersville ($67,929 a year), a typical home costs 4.8 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Guntersville 4.8 years
  • Marshall 3.2 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Marshall County

According to FHFA’s house price index, home prices in Marshall County rose 91% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Marshall County.

Period County Alabama U.S.
Last year (2025) +1.8% +2.5% +2.9%
5 years (2020–2025) +60% +47% +47%
10 years (2015–2025) +91% +77% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Guntersville next to Marshall County, Alabama and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Guntersville $324,800
  • Marshall $201,500
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Guntersville $842
  • Marshall $795
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Guntersville $67,929
  • Marshall $62,571
  • Alabama $63,999
  • United States $80,734
See the full table
Guntersville next to Marshall County and Alabama
Measure Guntersville Marshall County Alabama U.S.
Typical home value $324,800 $201,500 $209,900 $332,700
Typical monthly rent $842 $795 $1,007 $1,413
Typical yearly household income $67,929 $62,571 $63,999 $80,734
Households that own their home 65% 76% 70% 65%
Typical yearly property tax $1,163 $733 $788 $3,119
Effective property tax rate 0.36% 0.36% 0.38% 0.94%
Renters with high rent for their income 45% 47% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Marshall County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Guntersville

For a typical $324,800 home in Guntersville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Guntersville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,537a month

    Least cash to close
    Down payment
    $11,368
    Cash to close
    $21,112
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $144

  • Conventional, 5% down $2,477a month

    Down payment
    $16,240
    Cash to close
    $25,984
    Rate
    7.18%
    Mortgage insurance
    PMI · $154

  • Conventional, 20% down, no PMI $1,993a month

    Down payment
    $64,960
    Cash to close
    $74,704
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,293a month

    Down payment
    $48,720
    Cash to close
    $58,464
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Guntersville and for Marshall County.

Property tax

Effective rate in Guntersville

0.36%of the home’s value each year

$1,163 a year for the typical owner in Guntersville.

  • Guntersville 0.36%
  • Marshall 0.36%
  • Alabama 0.38%

What Alabama publishes Basic homestead exemption (type H-1) (Alabama Department of Revenue)

Exemptions and deadlines in Alabama

Flood risk in Marshall County

FEMA does not publish these numbers by city: they are for all of Marshall County.

Homes in the high-risk zone
1%
363
Of those, with NFIP insurance
11%
County Alabama U.S.
Homes in the high-risk zone 1% 3.2% 3.5%
Of those, with NFIP insurance 11% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Guntersville

Typical rent in Guntersville is $842 a month: 6% above the county. In Guntersville, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Marshall County, by unit size. To pay the 2-bedroom one ($925 a month) without spending more than 30% of your income, you would need to earn $17.79 an hour working full time.

HUD fair market rent for all of Marshall County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $702 $13.50 $28,080
1 bedroom $707 $13.60 $28,280
2 bedrooms $925 $17.79 $37,000
3 bedrooms $1,281 $24.63 $51,240
4 bedrooms $1,285 $24.71 $51,400

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Guntersville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Guntersville is in ZIP code 35976.

For 2 bedrooms it is $990: $65 more than the fair market rent for Marshall County ($925).

  • 35976 $990$1,370

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Guntersville when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Guntersville

HUD lists 7 buildings with rents for lower incomes in Guntersville. These are the largest.

  • Hembree Homes 1400 West St, Guntersville 35976 144 low-income homes · Run by The Guntersville Housing Authority · Average payment: $369 a month · Average wait: 5 months (256) 582-4331
  • Crain Courts 816 Jordan St, Guntersville 35976 140 low-income homes · Run by The Guntersville Housing Authority · Average payment: $332 a month · Average wait: 9 months (256) 582-4331
  • Addn Martin Manor 757 Ringold St, Guntersville 35976 66 low-income homes · Run by The Guntersville Housing Authority · Average payment: $352 a month · Average wait: 7 months (256) 582-4331
  • Mountain Lakes 2300 Deerman St, Guntersville 35976 48 low-income homes · 2 bd: 48 · In service since 1996 · For families
  • Mill Run 85 Cedar Ridge Dr, Guntersville 35976 40 low-income homes · 2 bd: 40 · In service since 2004 · For older adults, people with disabilities

See all 29 buildings in Marshall County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Guntersville

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Marshall County. The nearest ones are below; many serve by phone or online.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Guntersville

No down payment, repair or rent-help program on our list is for Guntersville or Marshall County. The ones below are statewide in Alabama: they work in Guntersville the same as in the rest of the state.

Which programs do I qualify for? All programs in Alabama

  • Step Up

    Statewide in Alabama

    Alabama state authority program with down payment assistance of 4% of the price (up to $10,000) as a 10-year second mortgage, alongside a 30-year fixed mortgage. Offered by Alabama Housing Finance Authority (AHFA).

    Repayable

    See the program Official page

  • First Step Mortgage Revenue Bonds

    Statewide in Alabama

    Alabama state authority 30-year low-rate mortgage, for first-time buyers and for people who have owned a home before, with down payment assistance of 4% of the price, up to $10,000, as a ten-year second mortgage. Offered by Alabama Housing Finance Authority (AHFA).

    Repayable

    See the program Official page

  • Affordable Income Subsidy Grant

    Statewide in Alabama

    Alabama state authority grant for closing costs with an HFA Advantage conventional loan: 1% of the loan if you earn up to 50% of the area median, or half a percent if you earn 50% to 80%. Offered by Alabama Housing Finance Authority (AHFA).

    Grant

    See the program Official page

Housing counselors near Guntersville

The HUD-approved agencies closest to the center of Guntersville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Action Agency of Northeast Alabama, Inc.

    1481 McCurdy Ave S, Rainsville · 24 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (256) 638-4430

  • Family Services Center, Inc.

    520 Madison St SE, Huntsville · 31 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (256) 551-1610

  • Community Action Partnership, Huntsville/Madison & Limestone Counties, Inc

    3516 Stringfield Rd NW, Huntsville · 35 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (256) 851-9800

All counseling agencies in Alabama

Help in Spanish near Guntersville

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Guntersville

HUD’s record names them for Guntersville or Marshall County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • The Guntersville Housing Authority Public housing and Section 8 vouchers (256) 582-4331

4 other authorities have an office in Marshall County: see the list Source: HUD

Cities

Other cities in Marshall County

These cities are also in Marshall County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Marshall County Housing in Alabama

Nearby cities

The cities closest to Guntersville, with the typical home value.

Neighboring counties

If Marshall County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Guntersville.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Guntersville

Short answers with the numbers for Guntersville and all of Marshall County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Guntersville?

The typical home value in Guntersville is $324,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Marshall County it is $201,500.

How much does it cost to rent in Guntersville?

Typical rent in Guntersville is $842 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Marshall County is $925.

What is the FHA loan limit in Guntersville?

Guntersville uses the FHA limit for all of Marshall County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Guntersville?

The typical homeowner in Guntersville pays $1,163 a year, according to the U.S. Census Bureau. That is 0.36% of the home’s value; in Marshall County, the rate is 0.36%.

Where can I find free help to buy or rent in Guntersville?

We found no HUD-approved counseling agencies with an office in Marshall County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).