611 Shepard St · Montgomery, AL 36104

$73,500

3 bd · 1.0 ba · 1,305 sqft · SingleFamily public records · 158 Days on market

Built 1968 4,356 sqft lot $56/sqft · 46% above area Est $50k · 46% over

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Why this score? — see what drove the C grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Newly Rehabbed & Priced to Sell — A True Steal of a Deal! This newly rehabbed 3-bedroom home with a comfortable living room and dedicated dining area with a functional, inviting layout. The property has been fully updated with new laminate flooring throughout, brand-new stainless steel appliances, a new roof, and fresh interior paint, delivering a clean, modern feel. Major systems have already been taken care of with a new HVAC system, new electrical, and new plumbing, providing peace of mind and long-term value. Located next to an empty lot, the home offers added privacy—an uncommon bonus. Conveniently positioned near shopping, ASU, restaurants, and easy interstate access, this home checks all the boxes for both homeowners and investors. Updated. Affordable. Move-in ready. A rare opportunity you don’t want to miss! Home has been virtually staged for visual design purposes. Please schedule your showing appointment today!

Key facts

• New plumbing
• New electrical
• Fresh interior paint

Tags

• NEW LAMINATE FLOORING
• NEW ROOF
• FRESH INTERIOR PAINT
• NEW HVAC SYSTEM
• NEW ELECTRICAL
• NEW PLUMBING

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $74k.

Deal economics

• At list price, monthly cash flow is $510 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $74k).
• Recommended offer: $65k (12.0% below list) — sets the bar for market timing.
• Cap rate 16.7% vs local median 6.0% in Montgomery — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 65/100 on livability (#138 in AL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools C-, employment D, crime F.
• Montgomery County (urban): math 9% / reading 31% proficiency, ranked #106 of 129 in AL (top 82%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 53 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 58% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 460 units permitted in Montgomery County in 2024 (37 in 5+ unit buildings).
• At $1,356/mo this rent would consume 48% of the median local household income ($34k/yr) (locally 641% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $508 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Montgomery County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 158 days — a 12% lower offer ($65k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 19y ago; this cycle's ask has dropped $18k (19%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $22k; list at $74k implies a 227% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $125/mo.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); major wind risk, 78% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $64,680 (12.0% below list)

Questions for the listing agent

1. It's been on market 158 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1968 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.84% ✓
• Cap rate: 16.66%
• Cash-on-cash: 37.02%
• DSCR: 2.65
• GRM: 4.5

CMA / ARV

• ARV (median comp): $50,386
• List price: $73,500
• Delta: 45.87%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
445 Earl Pl	0.70mi	3/2.0	1,280 (-2%)	0mo	$145,000	$113	60
700 Genetta Ct	0.31mi	3/2.0	1,148 (-12%)	6mo	$75,000	$65	57
1801 4th St	0.74mi	3/1.0	1,320 (+1%)	10mo	$32,000	$24	56
552 S Bainbridge St	0.38mi	2/1.0 (-1)	1,379 (+6%)	17mo	$65,000	$47	54
961 S Lawrence St	0.69mi	3/1.0	1,426 (+9%)	1mo	$27,000	$19	52
629 S Mcdonough St	0.54mi	3/2.0	1,472 (+13%)	0mo	$165,000	$112	49
1813 W 3rd St	0.73mi	2/1.0 (-1)	1,218 (-7%)	6mo	$38,000	$31	45
323 Finley Ave	0.71mi	3/2.0	1,375 (+5%)	12mo	$150,000	$109	44
426 Earl Pl	0.73mi	3/1.0	1,496 (+15%)	2mo	$20,000	$13	40
466 Earl Pl	0.70mi	2/1.0 (-1)	1,176 (-10%)	9mo	$20,000	$17	38
948 S Lawrence St	0.70mi	3/1.0	1,488 (+14%)	16mo	$20,000	$13	30
941 S Lawrence St	0.67mi	2/1.0 (-1)	1,476 (+13%)	16mo	$20,000	$14	28

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 24.3%
• Equity multiple: 2.00×
• Total profit: $20,610
• Equity at exit: $10,959

10-year hold

• IRR: 32.1%
• Equity multiple: 3.91×
• Total profit: $59,971
• Equity at exit: $6,355

Cash invested: $20,580 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Alabama: 90 Strongly Landlord-Friendly · R+15
• County: — inherits STATE
• City: — inherits STATE

Right-to-evict in 7 days for non-payment; no rent control; preempted statewide; courts move quickly.

Methodology + full state rankings →

ZIP-level market 36104

• Active inventory: 53
• Price-to-rent: 4.5×

Monthly cashflow live

• Estimated rent: $1,356 high
• Mortgage (P&I): −$385
• Tax from tax record: −$20 /mo · $242/yr
• Insurance: −$31
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$285
• Net cashflow: $510

Break-even live

Break-even rent $711

Max offer price $73,500

Occupancy floor 57%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $18,375
• Closing costs: $2,205
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1008 Pelham St Montgomery, AL	4.0	2.0	1288	$1,300	$1.01	43d	1	0.56mi
1020 S Lawrence St Montgomery, AL	2.0	1.0	1711	$2,000	$1.17	13d	1	0.77mi
2000 Cherry St Montgomery, AL	2.0	1.0	1106	$950	$0.86	43d	1	0.79mi
128 S Capitol Pkwy Montgomery, AL	3.0	1.0	1550	$1,500	$0.97	43d	1	0.82mi
1347 Felder Ave Montgomery, AL	2.0	1.0	1000	$1,095	$1.09	13d	1	0.85mi
1343 Felder Ave Montgomery, AL	2.0	1.0	1000	$1,095	$1.09	13d	1	0.85mi
2009 Palmetto St Montgomery, AL	3.0	1.0	1487	$1,050	$0.71	43d	1	0.86mi
2020 E 3rd St Montgomery, AL	2.0	1.0	1186	$750	$0.63	21d	1	0.86mi
1259 S Lawrence St Montgomery, AL	3.0	1.0	1728	$1,300	$0.75	43d	1	0.87mi
39 S Lewis St Montgomery, AL	2.0	1.0	1209	$950	$0.79	43d	1	0.87mi
1301 S Perry St Unit A Montgomery, AL	2.0	1.0	1100	$950	$0.86	13d	1	0.90mi
22 W Cromwell St Montgomery, AL	4.0	2.0	1645	$1,350	$0.82	21d	1	0.95mi
1314 S Court St Montgomery, AL	2.0	2.0	1650	$1,495	$0.91	13d	1	1.00mi
24 Flood St Montgomery, AL	2.0	1.0	1140	$1,000	$0.88	21d	1	1.04mi
1827 Capitol Ave Montgomery, AL	2.0	1.0	1068	$1,600	$1.50	13d	1	1.04mi
1827 Capitol Ave Montgomery, AL	2.0	1.0	1068	$1,600	$1.50	43d	1	1.04mi
519 Thorn Pl Montgomery, AL	2.0	1.0	1632	$650	$0.40	21d	1	1.04mi
2205 E 5th St Montgomery, AL	3.0	1.0	1020	$800	$0.78	43d	1	1.05mi
207 Montgomery St Montgomery, AL	1.0–2.0	1.0–2.0	890	$1,785	$2.01	13d	4	1.06mi
428 Thorn Pl Montgomery, AL	2.0	1.0	1549	$1,450	$0.94	43d	1	1.09mi
2727 Boultier St Montgomery, AL	1.0–3.0	1.0–2.0	1070	$1,582	$1.48	13d	3	1.12mi
1919 Norman Bridge Ct Unit 1043838P Montgomery, AL	4.0	3.0	1539	$4,108	$2.67	43d	1	1.14mi
2004 Capitol Ave Unit 1043879P Montgomery, AL	4.0	2.5	1797	$3,518	$1.96	13d	1	1.14mi
906 E Fairview Ave Unit 902 Montgomery, AL	2.0	1.0	1100	$995	$0.90	21d	1	1.19mi
2113 Brewton St Montgomery, AL	3.0	1.0	1363	$1,150	$0.84	43d	1	1.21mi
1425 Blairwood Montgomery, AL	3.0	2.0	1700	$1,850	$1.09	13d	1	1.22mi
2454 Spruce Curv Montgomery, AL	3.0	1.0	988	$1,100	$1.11	43d	1	1.23mi
2226 Carter Hill Rd Montgomery, AL	2.0	1.0	1506	$905	$0.60	43d	1	1.24mi
508 Glenmore Rd Montgomery, AL	2.0	1.0	1135	$1,000	$0.88	43d	1	1.28mi
1450 Crenshaw Pl S Montgomery, AL	3.0	2.0	1641	$1,775	$1.08	43d	1	1.32mi
2045 Bullard St Unit 1043526P Montgomery, AL	3.0	2.0	1797	$2,198	$1.22	43d	1	1.33mi
2009 Yancey Ave Montgomery, AL	3.0	1.0	1140	$1,080	$0.95	21d	1	1.39mi
2014 Commodore St Montgomery, AL	3.0	2.0	1613	$1,450	$0.90	13d	1	1.39mi
105 Arlington Rd Unit B Montgomery, AL	2.0	1.0	1100	$925	$0.84	43d	1	1.42mi
2229 Madison Ave Montgomery, AL	2.0	1.0	1100	$625	$0.57	43d	1	1.43mi
3256 Montezuma Rd Montgomery, AL	3.0	2.0	1515	$1,450	$0.96	43d	1	1.46mi
545 Clay St Montgomery, AL	2.0	2.0	1104	$1,050	$0.95	43d	1	1.46mi
139 Mount Vernon Dr Unit A Montgomery, AL	4.0	2.5	1700	$1,000	$0.59	43d	1	1.47mi
517 N Florida St Unit B Montgomery, AL	2.0	1.0	900	$750	$0.83	43d	1	1.48mi
3235 Norman Bridge Rd Montgomery, AL	3.0	1.0	1873	$900	$0.48	43d	1	1.48mi

Listing history 30 events

1. 2026-06-18
   days on market $73,500 Active 158 DOM
2. 2026-06-17
   days on market $73,500 Active 157 DOM
3. 2026-06-16
   days on market $73,500 Active 156 DOM
4. 2026-06-15
   days on market $73,500 Active 155 DOM
5. 2026-06-14
   days on market $73,500 Active 153 DOM
6. 2026-06-13
   pricedays on market $73,500 Active 152 DOM
7. 2026-06-10
   days on market $77,000 Active 150 DOM
8. 2026-06-09
   days on market $77,000 Active 149 DOM
9. 2026-06-08
   days on market $77,000 Active 148 DOM
10. 2026-06-07
    days on market $77,000 Active 147 DOM
11. 2026-06-03
    days on market $77,000 Active 143 DOM
12. 2026-06-02
    days on market $77,000 Active 142 DOM
13. 2026-06-01
    days on market $77,000 Active 141 DOM
14. 2026-05-31
    days on market $77,000 Active 140 DOM
15. 2026-05-30
    days on market $77,000 Active 139 DOM
16. 2026-05-12
    price $77,000 962-char remark

    Show marketing remark (962 chars)

    Newly Rehabbed & Priced to Sell — A True Steal of a Deal! This newly rehabbed 3-bedroom home with a comfortable living room and dedicated dining area with a functional, inviting layout. The property has been fully updated with new laminate flooring throughout, brand-new stainless steel appliances, a new roof, and fresh interior paint, delivering a clean, modern feel. Major systems have already been taken care of with a new HVAC system, new electrical, and new plumbing, providing peace of mind and long-term value. Located next to an empty lot, the home offers added privacy—an uncommon bonus. Conveniently positioned near shopping, ASU, restaurants, and easy interstate access, this home checks all the boxes for both homeowners and investors. Updated. Affordable. Move-in ready. A rare opportunity you don’t want to miss! Home has been virtually staged for visual design purposes. Please schedule your showing appointment today!

17. 2026-04-15
    status Active 962-char remark

    Show marketing remark (962 chars)

    Newly Rehabbed & Priced to Sell — A True Steal of a Deal! This newly rehabbed 3-bedroom home with a comfortable living room and dedicated dining area with a functional, inviting layout. The property has been fully updated with new laminate flooring throughout, brand-new stainless steel appliances, a new roof, and fresh interior paint, delivering a clean, modern feel. Major systems have already been taken care of with a new HVAC system, new electrical, and new plumbing, providing peace of mind and long-term value. Located next to an empty lot, the home offers added privacy—an uncommon bonus. Conveniently positioned near shopping, ASU, restaurants, and easy interstate access, this home checks all the boxes for both homeowners and investors. Updated. Affordable. Move-in ready. A rare opportunity you don’t want to miss! Home has been virtually staged for visual design purposes. Please schedule your showing appointment today!

18. 2026-04-10
    historical Contingent 962-char remark

    Show marketing remark (962 chars)

    Newly Rehabbed & Priced to Sell — A True Steal of a Deal! This newly rehabbed 3-bedroom home with a comfortable living room and dedicated dining area with a functional, inviting layout. The property has been fully updated with new laminate flooring throughout, brand-new stainless steel appliances, a new roof, and fresh interior paint, delivering a clean, modern feel. Major systems have already been taken care of with a new HVAC system, new electrical, and new plumbing, providing peace of mind and long-term value. Located next to an empty lot, the home offers added privacy—an uncommon bonus. Conveniently positioned near shopping, ASU, restaurants, and easy interstate access, this home checks all the boxes for both homeowners and investors. Updated. Affordable. Move-in ready. A rare opportunity you don’t want to miss! Home has been virtually staged for visual design purposes. Please schedule your showing appointment today!

19. 2026-03-07
    price $79,500 962-char remark

    Show marketing remark (962 chars)

    Newly Rehabbed & Priced to Sell — A True Steal of a Deal! This newly rehabbed 3-bedroom home with a comfortable living room and dedicated dining area with a functional, inviting layout. The property has been fully updated with new laminate flooring throughout, brand-new stainless steel appliances, a new roof, and fresh interior paint, delivering a clean, modern feel. Major systems have already been taken care of with a new HVAC system, new electrical, and new plumbing, providing peace of mind and long-term value. Located next to an empty lot, the home offers added privacy—an uncommon bonus. Conveniently positioned near shopping, ASU, restaurants, and easy interstate access, this home checks all the boxes for both homeowners and investors. Updated. Affordable. Move-in ready. A rare opportunity you don’t want to miss! Home has been virtually staged for visual design purposes. Please schedule your showing appointment today!

20. 2026-02-02
    price $83,500 962-char remark

    Show marketing remark (962 chars)

    Newly Rehabbed & Priced to Sell — A True Steal of a Deal! This newly rehabbed 3-bedroom home with a comfortable living room and dedicated dining area with a functional, inviting layout. The property has been fully updated with new laminate flooring throughout, brand-new stainless steel appliances, a new roof, and fresh interior paint, delivering a clean, modern feel. Major systems have already been taken care of with a new HVAC system, new electrical, and new plumbing, providing peace of mind and long-term value. Located next to an empty lot, the home offers added privacy—an uncommon bonus. Conveniently positioned near shopping, ASU, restaurants, and easy interstate access, this home checks all the boxes for both homeowners and investors. Updated. Affordable. Move-in ready. A rare opportunity you don’t want to miss! Home has been virtually staged for visual design purposes. Please schedule your showing appointment today!

21. 2026-01-21
    price $87,000 962-char remark

    Show marketing remark (962 chars)

    Newly Rehabbed & Priced to Sell — A True Steal of a Deal! This newly rehabbed 3-bedroom home with a comfortable living room and dedicated dining area with a functional, inviting layout. The property has been fully updated with new laminate flooring throughout, brand-new stainless steel appliances, a new roof, and fresh interior paint, delivering a clean, modern feel. Major systems have already been taken care of with a new HVAC system, new electrical, and new plumbing, providing peace of mind and long-term value. Located next to an empty lot, the home offers added privacy—an uncommon bonus. Conveniently positioned near shopping, ASU, restaurants, and easy interstate access, this home checks all the boxes for both homeowners and investors. Updated. Affordable. Move-in ready. A rare opportunity you don’t want to miss! Home has been virtually staged for visual design purposes. Please schedule your showing appointment today!

22. 2026-01-11
    listed $91,000 Active 962-char remark

    Show marketing remark (962 chars)

    Newly Rehabbed & Priced to Sell — A True Steal of a Deal! This newly rehabbed 3-bedroom home with a comfortable living room and dedicated dining area with a functional, inviting layout. The property has been fully updated with new laminate flooring throughout, brand-new stainless steel appliances, a new roof, and fresh interior paint, delivering a clean, modern feel. Major systems have already been taken care of with a new HVAC system, new electrical, and new plumbing, providing peace of mind and long-term value. Located next to an empty lot, the home offers added privacy—an uncommon bonus. Conveniently positioned near shopping, ASU, restaurants, and easy interstate access, this home checks all the boxes for both homeowners and investors. Updated. Affordable. Move-in ready. A rare opportunity you don’t want to miss! Home has been virtually staged for visual design purposes. Please schedule your showing appointment today!

23. 2025-04-23
    soldstatus $22,500 Closed 328-char remark

    Show marketing remark (328 chars)

    Here is one you don't want to miss out on. Perfect to add to your rental portfolio. With just some TLC and basic renovation, this property will be cash flowing in no time. The house consists of 2 bedrooms, 1 bath, 2 living spaces, and a dining room. This house is all brick. Sold as-is. Call me or your realtor to view this one.

24. 2025-03-26
    status Pending 328-char remark

    Show marketing remark (328 chars)

    Here is one you don't want to miss out on. Perfect to add to your rental portfolio. With just some TLC and basic renovation, this property will be cash flowing in no time. The house consists of 2 bedrooms, 1 bath, 2 living spaces, and a dining room. This house is all brick. Sold as-is. Call me or your realtor to view this one.

25. 2025-02-27
    historical Contingent 328-char remark

    Show marketing remark (328 chars)

    Here is one you don't want to miss out on. Perfect to add to your rental portfolio. With just some TLC and basic renovation, this property will be cash flowing in no time. The house consists of 2 bedrooms, 1 bath, 2 living spaces, and a dining room. This house is all brick. Sold as-is. Call me or your realtor to view this one.

26. 2025-01-21
    listed $32,000 Active 328-char remark

    Show marketing remark (328 chars)

    Here is one you don't want to miss out on. Perfect to add to your rental portfolio. With just some TLC and basic renovation, this property will be cash flowing in no time. The house consists of 2 bedrooms, 1 bath, 2 living spaces, and a dining room. This house is all brick. Sold as-is. Call me or your realtor to view this one.

27. 2024-12-21
    status Active
28. 2024-11-30
    historical Contingent
29. 2024-11-23
    listed $32,000 Active
30. 2007-03-30
    listed $59,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast AL · Resets to sale price

• Current annual tax: $242 · $20/mo
• Projected year-2 tax: $301 · $25/mo
• Expected delta: +$60/yr (+$5/mo · 24.8%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone A · 78% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 7/10 Severe 78% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,271
• − Mortgage interest: −$4,117
• − Property taxes: −$242
• − Insurance: −$1,870
• − Repairs & maintenance: −$1,302
• − Management: −$1,302
• − Depreciation: −$2,138
• Taxable income: $5,301
• Est. tax owed @ 24.0%: −$1,272
• After-tax cash flow: $4,845/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Montgomery County
• NCES district ID: 0102430
• Math proficiency: 9% ▼ -21.00%
• Reading proficiency: 31% ▼ -1.00%
• Median HH income: $43,902
• Composite: 17.24/100
• National rank: #9093
• State rank: #106 of 129 in AL

Livability — Montgomery

• Score: 65/100
• State rank: #138
• US rank: #13416

Category grades

Amenities D- Commute F Cost of living A+ Crime F Employment D Housing A+ Health & safety F User ratings D+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Montgomery, AL
• County: Montgomery County · 190,016 people
• City population: 175,913
• Metro: Montgomery, AL
• Population (ZIP): 10,535
• Household income: $33,823
• Rent vs Own: 75.4% rent · 24.6% own
• Severe rent burden: 641.0

Population outlook (Montgomery County) Hauer SSP2

• Today (2025): 224,008 people
• By 2030: 221,460 · -1.1%
• By 2040: 214,179 · -4.4%
• By 2050: 204,912 · -8.5%
• By 2075: 177,821 · -20.6%
• By 2100: 145,134 · -35.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (72%)
• Race & ethnicity: Black 72% White 20% Two or more races 6% Hispanic / Latino 2%
• Common ancestry: Swedish 2% Russian 1% Lithuanian 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 1% Other Indo-European 1%

Political lean MEDSL · Montgomery

• 2024 margin: Solid D (+30.7) · D 64.8% · R 34.1% · Other 1.1%
• 2008→2024 swing: +11.5pp toward D · 2008: 19.2pp · 2024: 30.7pp
• All cycles: 2024: D+30.7 2020: D+31.5 2016: D+26.2 2012: D+24.3 2008: D+19.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -101.13%
• Current HPI: 27.2384
• Rent YoY: —
• Metro: Montgomery, AL
• State GDP YoY: ▲ 2.94%
• F500 in state: 4

Industry mix (Fortune 500 HQ in AL)

Industry	F500 HQs	Revenue
▸Financial Services	1	$8B
▸Healthcare	1	$5B

Price history

+30.5% since first listed

15 events — show timeline

• 2026-05-12 Price Changed $77,000 MAAR
• 2026-04-15 Relisted — MAAR
• 2026-04-10 Contingent — MAAR
• 2026-03-07 Price Changed $79,500 MAAR
• 2026-02-02 Price Changed $83,500 MAAR
• 2026-01-21 Price Changed $87,000 MAAR
• 2026-01-11 Listed $91,000 MAAR
• 2025-04-23 Sold (MLS) $22,500 MAAR
• 2025-03-26 Pending — MAAR
• 2025-02-27 Contingent — MAAR
• 2025-01-21 Listed $32,000 MAAR
• 2024-12-21 Relisted — MAAR
• 2024-11-30 Contingent — MAAR
• 2024-11-23 Listed $32,000 MAAR
• 2007-03-30 Listed $59,000 MAAR

Property tax history

-1.6%/yr

Latest (2025): $242 · +0.0% YoY. Source: county tax records.