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Birmingham city, AL

ZIP 35214 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 35214

Median Home Value
$149,600
Median Rent
$774
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$961/mo PITI).

17%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.1 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 35214 in Birmingham city, AL, a household would need roughly $41,000 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 $961. That sits below the local median household income ($55,478), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.2%+1% vs US avg
x
Vacancy Rate
14.9%+45% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
3.2%-79% vs US avg
x
Built Pre-1939
6.2%-52% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
28.4%-43% vs US avg
x
Mortgage-Free
41.2%+8% vs US avg
x
$149,600
Home Value
$774
Rent
1972
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached81.5%
  • 1-unit attached0.7%
  • 2-9 units9.2%
  • 10+ units5.5%
  • Mobile home & other3.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$149,600
Median rent$774
Owner-occupied66.2%
Vacant14.9%
Price-to-income2.7x
Est. income to buy$41,000