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ZIP 31209 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 31209

Median Home Value
$168,000
Median Rent
$985
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,079/mo PITI).

15%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.2 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 31209, a household would need roughly $46,000 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 $1,079. That sits below the local median household income ($79,085), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
80.5%+23% vs US avg
x
Vacancy Rate
3.5%-66% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
6.6%-55% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
30.3%-39% vs US avg
x
Mortgage-Free
25.3%-34% vs US avg
x
$168,000
Home Value
$985
Rent
1969
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached91.1%
  • 1-unit attached7.2%
  • 2-9 units1.4%
  • 10+ units0.0%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$168,000
Median rent$985
Owner-occupied80.5%
Vacant3.5%
Price-to-income2.1x
Est. income to buy$46,000