Market Overview
Home Prices in Cedar Bluff, AL
The median home value in Cedar Bluff, AL is $255,371 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1% compared to a year ago and up 3.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cedar Bluff are priced38% below average.
Over the past five years, Cedar Bluff home values have risen by approximately21.1%, reflecting strong long-term appreciation in this market.
Price History
Cedar Bluff Home Price Trend
2020
$171,280
$171K
—
2021
$210,836
$211K
+23.1%
2022
$239,891
$240K
+13.8%
2023
$241,507
$242K
+0.7%
2024
$248,889
$249K
+3.1%
2025
$257,923
$258K
+3.6%
2026
$255,371
$255K
-1.0%
City Comparison
Cedar Bluff vs. National Median
🏠 Cedar Bluff
$255,371
National Median
$410,000
At $255,371, homes in Cedar Bluff cost 38% below the national median of $410,000. This makes Cedar Bluff a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cedar Bluff?
20% Down Payment
$51,074
on $255,371
Monthly P&I
$1,332/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,692/mo
incl. taxes & insurance
Income Needed
$67,680
gross annual (30% rule)
10% Down Option
$25,537
+ PMI applies
Loan Amount (20% dn)
$204,297
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Cedar Bluff, AL?
The median home value in Cedar Bluff is $255,371 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1% year-over-year.
How much have home prices changed in Cedar Bluff?
Over the past year, home values in Cedar Bluff have decreased by 1%. Over five years, prices have risen approximately 21.1%.
How much do I need to earn to buy a home in Cedar Bluff?
To comfortably afford the median home price of $255,371 with a 20% down payment ($51,074) at today's rates (6.8%), you'd need a gross annual income of approximately $67,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Cedar Bluff compare to the national average home price?
The national median home value is approximately $410,000. At $255,371, homes in Cedar Bluff are 38% below the national average.