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Sarah Mitchell
Compass Real Estate · Spanish Fort, AL
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Spanish Fort, AL Housing Market
The typical home in Spanish Fort, AL is worth $383,475, held roughly flat 0.4% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $373,688, -4.8% year over year (through May 2026). With 3.7 months of supply and homes going under contract in about 59 days, Spanish Fort is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $383,475 home is about $2,047/mo in principal and interest.
Key numbers for Spanish Fort, AL
Typical home value
$383,475
+0.4% in 12 months
Zillow, August 2026
Typical asking rent
$1,617/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$373,688
-4.8% year over year
Redfin, through May 2026
Days on market
59
Average pace
Redfin, through May 2026
Active listings
67
3.7 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$101,574
Home costs 3.8x income
U.S. Census ACS, 2023
Sale-to-list ratio
99.0%
Selling below asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Spanish Fort a buyer's or seller's market?
Spanish Fort, AL is a balanced market, based on 3.7 months of supply and homes selling in about 59 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Spanish Fort housing market data show?
Every row below is Redfin's final published month for Spanish Fort, AL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $373,688 |
| Median list price | $389,900 |
| Year-over-year price change | -4.8% |
| Median price per sq ft | $173/sq ft |
| Median days on market | 59 days |
| Active inventory | 67 listings |
| Months of supply | 3.7 months |
| Sale-to-list price ratio | 99.0% |
| Homes sold (that month) | 18 |
| New listings (that month) | 25 |
| Listings with a price cut | 22.4% |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Spanish Fort is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Spanish Fort is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Spanish Fort home prices moved?
Over the last three years the median sale price in Spanish Fort, AL rose 8.1%, from $345,565 to $373,688. The live Zillow value series has held roughly flat 0.4% in the last 12 months, which is the more current read now that Redfin's series has stopped. 22.4% of Spanish Fort listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 3.7 months while the sale-to-list ratio slips below its current 99.0%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Spanish Fort?
Priced off the typical home value of $383,475 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $76,695 | $306,780 | $2,047/mo |
| 5% | $19,174 | $364,301 | $2,431/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,047, that implies roughly $87,737 a year before you add taxes and insurance. The median household in Spanish Fort earns $101,574, about $13,837 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.8x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Spanish Fort in the next 12 months?
Tell us your timeline. We send the Spanish Fort market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Spanish Fort?
Typical asking rent in Spanish Fort, AL is $1,617/mo, against a typical home value of $383,475. That is a price-to-rent ratio of 19.8x, which means buying and renting land close enough together that the decision turns on how long you stay and your down payment. Compared head to head, 20% down puts principal and interest at $2,047 a month — $430 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Spanish Fort?
Active listings in Spanish Fort, AL went from 72 in May 2025 to 67 in May 2026, a -6.9% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 78 | 23 |
| July 2025 | 72 | 22 |
| August 2025 | 78 | 18 |
| September 2025 | 59 | 9 |
| October 2025 | 60 | 24 |
| November 2025 | 65 | 17 |
| December 2025 | 68 | 16 |
| January 2026 | 70 | 21 |
| February 2026 | 63 | 12 |
| March 2026 | 59 | 21 |
| April 2026 | 67 | 24 |
| May 2026 | 67 | 25 |
Redfin, through May 2026
How does Spanish Fort compare to Alabama and the U.S.?
Spanish Fort homes sell for $373,688 — 20% above the Alabama median of $312,600. Against the national median of $410,700, Spanish Fort runs 9% lower. Year-over-year, Spanish Fort moved -4.8% against Alabama's +7.2% — a smaller swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Spanish Fort, AL | $373,688 | -4.8% | 59 days |
| Alabama statewide | $312,600 | +7.2% | 57 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Spanish Fort
What buyers should watch
- Months of supply, currently 3.7. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 22.4%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $384 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $383,475 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Spanish Fort listing goes under contract in 59 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 99.0% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Spanish Fort added 25 new listings against 18 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +0.4% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Spanish Fort varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Spanish Fort
There are currently 67 homes listed for sale in Spanish Fort, Alabama. The median listing price is $390K.
Active listings
67
Homes on market
Median list price
$390K
Avg. days on market
59
Days until sale
New this week
25
Newly listed
How much do homes cost in Spanish Fort by property type?
How the Spanish Fort, AL market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $388,980 | $175/sq ft | 16 | 59 days |
| Condo / co-op | $187,000 | $159/sq ft | 1 | 48 days |
| Townhouse | $203,750 | $151/sq ft | 2 | 56 days |
Who lives in Spanish Fort?
American Community Survey estimates for Spanish Fort. U.S. Census ACS, 2023
Population
10,377
Households
3,860
Median income
$101,574/yr
Median age
37.3 years
Owner-occupied
67.4%
Median home value
$314,000
Median gross rent
$1,246/mo
Mean commute
23.5 min
67.4% of occupied homes in Spanish Fort are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $314,000 against Zillow's $383,475 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,246/mo, below Zillow's $1,617/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Spanish Fort?
4 schools tracked · 3,357 students
The largest public schools serving Spanish Fort, AL by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Spanish Fort High School
Grades 9-12 · 1,202 students
Spanish Fort Elementary School
Grades PK-6 · 761 students
Rockwell Elementary School
Grades PK-6 · 747 students
Spanish Fort Middle School
Grades 7-8 · 647 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Spanish Fort, AL?
Ordered by distance from Spanish Fort, not by size. Compare Spanish Fort side by side with any of them.
Spanish Fort housing market FAQ
Is Spanish Fort a buyer's or seller's market?
Spanish Fort, AL is currently a balanced market. That read comes from 3.7 months of supply, homes going under contract in about 59 days, and sellers getting 99.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Spanish Fort?
The typical home in Spanish Fort, AL is worth $383,475 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $373,688, about $173 per square foot.
Is Spanish Fort cheaper than the rest of Alabama?
Spanish Fort's median sale price of $373,688 is 20% higher than the Alabama statewide median of $312,600, and 9% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Spanish Fort?
Homes in Spanish Fort, AL spent a median of 59 days on market before going under contract, versus 57 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Spanish Fort?
At the current 30-year fixed rate of 7.03%, 20% down on a $383,475 home is about $2,047 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $87,737 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $101,574.
Are home prices rising in Spanish Fort?
The typical home value in Spanish Fort, AL held roughly flat 0.4% over the last 12 months, from $381,954 to $383,475 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Spanish Fort?
Spanish Fort ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Spanish Fort?
That depends on your timeline, not on a headline. What the data says today: Spanish Fort, AL is a balanced market with 3.7 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 19.8x means buying and renting land close enough together that the decision turns on how long you stay and your down payment. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $383,475, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.