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ZIP 31010
Housing & Real Estate

ZIP 31010 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 31010

Median Home Value

$176,300

Median Rent

$497

Affordability Snapshot

$49,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,133/mo PITI).

13%

Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.9x

Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

29.6 yrs

Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 31010, a household would need roughly $49,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,133. That is roughly in line with the local median household income ($44,781). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 20% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

58.0%-11% vs US avg

Vacancy Rate

19.8%+92% vs US avg

Broadband Access

81.3%-7% vs US avg

4+ Bedrooms

4.6%-69% vs US avg

Built Pre-1939

0.0%

Built Post-2014

0.0%

Rent Burden >30%

36.1%-27% vs US avg

Mortgage-Free

43.7%+14% vs US avg

$176,300

Home Value

$497

Rent

1991

Year Built

2011

Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

1-unit detached50.0%
1-unit attached0.0%
2-9 units18.1%
10+ units0.6%
Mobile home & other31.3%

ZIP 31010 — Housing & Real Estate

Housing & Real Estate in ZIP Code 31010

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