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Birmingham city, AL

ZIP 35207 — 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 35207

Median Home Value
$74,800
Median Rent
$464
Affordability Snapshot
$21,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$480/mo PITI).

19%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.4 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 35207 in Birmingham city, AL, a household would need roughly $21,000 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 $480. That sits below the local median household income ($28,672), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
51.0%-22% vs US avg
x
Vacancy Rate
17.4%+69% vs US avg
x
Broadband Access
61.7%-29% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
14.9%+16% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
30.6%-38% vs US avg
x
Mortgage-Free
74.6%+95% vs US avg
x
$74,800
Home Value
$464
Rent
1956
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached68.0%
  • 1-unit attached2.2%
  • 2-9 units15.7%
  • 10+ units13.4%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$74,800
Median rent$464
Owner-occupied51.0%
Vacant17.4%
Price-to-income2.6x
Est. income to buy$21,000