US5.com
  1. Home
  2. States
  3. Alabama
  4. ZIP 35054
  5. Housing & Real Estate
Pell City city, AL

ZIP 35054 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 35054

Median Home Value
$274,200
Median Rent
$916
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,761/mo PITI).

14%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

24.9 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 35054 in Pell City city, AL, a household would need roughly $75,000 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 $1,761. That is roughly in line with the local median household income ($80,082). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.3%+35% vs US avg
x
Vacancy Rate
14.1%+37% vs US avg
x
Broadband Access
84.0%-3% vs US avg
x
4+ Bedrooms
5.4%-63% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
6.3%-87% vs US avg
x
Mortgage-Free
47.8%+25% vs US avg
x
$274,200
Home Value
$916
Rent
1992
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 detached63.5%
  • 1-unit attached1.6%
  • 2-9 units0.9%
  • 10+ units0.0%
  • Mobile home & other34.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$274,200
Median rent$916
Owner-occupied88.3%
Vacant14.1%
Price-to-income3.4x
Est. income to buy$75,000