Cherokee, Alabama.
Typical home $142,612 (+3.4% in a year). Florence-Muscle Shoals, AL metro.
to buy the typical home at today's mortgage rate — +$341 (+84%) since Jan 2020.
- 1 year
- Up $4,702 +3%
- $137,910$142,612 since Sep 2025
- 5 years
- Up $4,485 +3%
- $138,127$142,612 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Cherokee$749
- Alabama$1,252
- United States$1,922
Typical home values in Cherokee, AL rose 3.4% over the past year — faster than the nation's +1.2%.
Living in Cherokee, Colbert County, Alabama
Cherokee is a town of 970 people in Colbert County. Half its households earn more than $50,815 a year and half less, against $60,628 across Colbert County. Unemployment in Colbert County was 3.9% in August 2026, and the county had 1.1% more jobs in 2025 than the year before. The most people in Colbert County work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Cherokee is a small town in Colbert County, in the northwest corner of Alabama. Household incomes here run below the county's, and the typical home value is modest, so the town is on the more affordable side of the area. Few adults hold a four-year degree compared with many parts of the country, and almost nobody works from home. Winters are mild but chilly, with January the coldest month, and summers are warm and fairly long, with July the warmest. Rain is plentiful through the year, and a little snow melts into the total.
Work. Residents work mostly in schools, hospitals and social care, in manufacturing, in shops and in the building trades. Across Colbert County, some of the largest workplaces are North American Lighting, Constellium Muscle Shoals LLC - Alloys Operations and Helen Keller Hospital. Unemployment in the county is a little higher than it was a year ago, while the number of jobs there has edged up. The typical commute is a moderate one, so most people travel some distance to their workplace.
Things to do. The Natchez Trace Trail is a short drive away and suits a walk or an easy outing outdoors. Buzzard Roost Creek, a river, is also close by. For a longer drive, Muscle Shoals Sound Studio is a museum tied to the area's recording history, and Pickwick Lake is a large reservoir for time on the water.
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- 15%of adults have a degree
- 24 mintypical commute
- 2%work from home
What people in Colbert County work in
Employed residents by industry, from the Census survey. Colbert County had 24,754 jobs in 2025, 1.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 49° and lows near 28°; warmest in July, with highs near 88° and lows near 67°. About 62 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Iuka weather station, 13 miles away (NOAA).
Largest workplaces in Colbert County
- North American LightingMotor vehicle electrical and electronic equipment manufacturing1,549
- Constellium Muscle Shoals LLC - Alloys OperationsAluminum sheet made in integrated secondary smelting and flat rolling mills1,078
- Helen Keller HospitalGeneral hospital698FTE
- Essity Professional Hygiene BartonGlassine wrapping paper made in paper mills519
- Northwest Shoals Community CollegeTwo-year college479
- WalmartWarehouse clubs and supercenters379
- Colbert County SchoolsSchool district314FTE
- Muscle Shoals City SchoolsSchool district298FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 57 workplaces with 20 or more staff, 7,462 people in all across the county; Cherokee has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023), colleges from IPEDS (NCES, 2023–24) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively high
- LightningRelatively high
- Cold wavesRelatively high
- TornadoesRelatively high
- Inland floodingRelatively high
- DroughtRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Cherokee’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Colbert County and the Florence-Muscle Shoals, AL metro.
Cherokee home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cherokee$142,612
- Alabama$238,614
- United States$366,157
Sellers are cutting prices on about 1 in 4 Cherokee listings — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Cherokee23.87%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cherokee40
New listings per month
Sellers arriving at the market.
- Cherokee6
Zip codes with a Cherokee address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cherokee — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.