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Pell City city, AL

ZIP 35128 — 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 35128

Median Home Value
$240,100
Median Rent
$1,007
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,542/mo PITI).

15%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.9 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 35128 in Pell City 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 $1,542. That sits below the local median household income ($81,993), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.0%+29% vs US avg
x
Vacancy Rate
11.7%+13% vs US avg
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
7.0%-53% vs US avg
x
Built Pre-1939
0.7%-94% vs US avg
x
Built Post-2014
2.1%-69% vs US avg
x
Rent Burden >30%
11.3%-77% vs US avg
x
Mortgage-Free
42.7%+12% vs US avg
x
$240,100
Home Value
$1,007
Rent
1994
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 detached73.6%
  • 1-unit attached0.2%
  • 2-9 units5.4%
  • 10+ units1.1%
  • Mobile home & other19.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$240,100
Median rent$1,007
Owner-occupied84.0%
Vacant11.7%
Price-to-income2.9x
Est. income to buy$66,000