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Birmingham city, AL

ZIP 35204 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 35204

Median Home Value
$81,600
Median Rent
$437
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$524/mo PITI).

16%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.6 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 35204 in Birmingham city, AL, a household would need roughly $22,000 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 $524. That sits below the local median household income ($32,880), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
45.2%-31% vs US avg
x
Vacancy Rate
23.1%+125% vs US avg
x
Broadband Access
66.8%-23% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
15.9%+24% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.5%-59% vs US avg
x
Mortgage-Free
56.7%+48% vs US avg
x
$81,600
Home Value
$437
Rent
1951
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 detached59.6%
  • 1-unit attached2.6%
  • 2-9 units24.1%
  • 10+ units12.0%
  • Mobile home & other1.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$81,600
Median rent$437
Owner-occupied45.2%
Vacant23.1%
Price-to-income2.5x
Est. income to buy$22,000