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Birmingham city, AL

ZIP 35215 — 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 35215

Median Home Value
$146,900
Median Rent
$800
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$944/mo PITI).

19%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.3 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 35215 in Birmingham city, AL, a household would need roughly $40,000 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 $944. That sits below the local median household income ($51,854), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
54.2%-17% vs US avg
x
Vacancy Rate
13.8%+34% vs US avg
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.3%-51% vs US avg
x
Mortgage-Free
34.6%-9% vs US avg
x
$146,900
Home Value
$800
Rent
1976
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 detached65.1%
  • 1-unit attached3.5%
  • 2-9 units15.6%
  • 10+ units13.0%
  • Mobile home & other2.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$146,900
Median rent$800
Owner-occupied54.2%
Vacant13.8%
Price-to-income2.8x
Est. income to buy$40,000