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Birmingham city, AL

ZIP 35061 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 35061

Median Home Value
$162,500
Median Rent
$690
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,044/mo PITI).

16%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

19.6 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 35061 in Birmingham city, AL, a household would need roughly $45,000 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 $1,044. That sits below the local median household income ($52,143), 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

Vacancy rate 25% — check local market conditions.

Heating Fuel
Housing Metrics

Historic housing stock (24% built before 1939)

Owner Occupied
55.9%-15% vs US avg
x
Vacancy Rate
24.7%+140% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
24.1%+88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
48.3%-3% vs US avg
x
Mortgage-Free
82.5%+116% vs US avg
x
$162,500
Home Value
$690
Rent
1959
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached98.2%
  • 1-unit attached0.0%
  • 2-9 units0.8%
  • 10+ units0.0%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$162,500
Median rent$690
Owner-occupied55.9%
Vacant24.7%
Price-to-income3.1x
Est. income to buy$45,000