Market Overview
Home Prices in Muscle Shoals, AL
The median home value in Muscle Shoals, AL is $265,937 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.7% compared to a year ago and up 2.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Muscle Shoals are priced35% below average. Muscle Shoals is part of the Florence-Muscle Shoals, AL metro area.
Over the past five years, Muscle Shoals home values have risen by approximately36.3%, reflecting strong long-term appreciation in this market.
Price History
Muscle Shoals Home Price Trend
City Comparison
Muscle Shoals vs. National Median
At $265,937, homes in Muscle Shoals cost 35% below the national median of $410,000. This makes Muscle Shoals a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Muscle Shoals?
20% Down Payment
$53,187
on $265,937
Monthly P&I
$1,387/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,761/mo
incl. taxes & insurance
Income Needed
$70,440
gross annual (30% rule)
10% Down Option
$26,594
+ PMI applies
Loan Amount (20% dn)
$212,750
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 Muscle Shoals, AL?
The median home value in Muscle Shoals is $265,937 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.7% year-over-year.
How much have home prices changed in Muscle Shoals?
Over the past year, home values in Muscle Shoals have increased by 2.7%. Over five years, prices have risen approximately 36.3%.
How much do I need to earn to buy a home in Muscle Shoals?
To comfortably afford the median home price of $265,937 with a 20% down payment ($53,187) at today's rates (6.8%), you'd need a gross annual income of approximately $70,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Muscle Shoals compare to the national average home price?
The national median home value is approximately $410,000. At $265,937, homes in Muscle Shoals are 35% below the national average.
What metro area is Muscle Shoals part of?
Muscle Shoals is part of the Florence-Muscle Shoals, AL metropolitan area. Home prices and market conditions can vary across the broader metro region.