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Birmingham city, AL

ZIP 35218 — 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 35218

Median Home Value
$79,500
Median Rent
$591
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$511/mo PITI).

23%
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.

11.2 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 35218 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 $511. That sits below the local median household income ($30,966), 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 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
36.5%-44% vs US avg
x
Vacancy Rate
24.5%+138% vs US avg
x
Broadband Access
81.1%-7% vs US avg
x
4+ Bedrooms
0.1%-99% vs US avg
x
Built Pre-1939
12.4%-3% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
39.1%-21% vs US avg
x
Mortgage-Free
69.2%+81% vs US avg
x
$79,500
Home Value
$591
Rent
1953
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 detached69.5%
  • 1-unit attached3.8%
  • 2-9 units15.9%
  • 10+ units10.6%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$79,500
Median rent$591
Owner-occupied36.5%
Vacant24.5%
Price-to-income2.6x
Est. income to buy$22,000