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Gardendale city, AL

ZIP 35071 — 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 35071

Median Home Value
$239,500
Median Rent
$897
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,538/mo PITI).

13%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.3 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 35071 in Gardendale city, AL, a household would need roughly $66,000 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 $1,538. That sits below the local median household income ($80,745), 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
77.8%+19% vs US avg
x
Vacancy Rate
3.7%-64% vs US avg
x
Broadband Access
93.3%+7% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
2.1%-70% vs US avg
x
Rent Burden >30%
16.6%-67% vs US avg
x
Mortgage-Free
32.1%-16% vs US avg
x
$239,500
Home Value
$897
Rent
1986
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 detached78.7%
  • 1-unit attached2.1%
  • 2-9 units5.5%
  • 10+ units9.6%
  • Mobile home & other4.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$239,500
Median rent$897
Owner-occupied77.8%
Vacant3.7%
Price-to-income3.0x
Est. income to buy$66,000