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Birmingham city, AL

ZIP 35221 — 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 35221

Median Home Value
$72,600
Median Rent
$669
Affordability Snapshot
$20,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$466/mo PITI).

20%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

9.0 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 35221 in Birmingham city, AL, a household would need roughly $20,000 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 $466. That sits below the local median household income ($39,750), 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 30% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
64.9%-1% vs US avg
x
Vacancy Rate
30.4%+195% vs US avg
x
Broadband Access
74.8%-14% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
16.4%+28% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.4%-69% vs US avg
x
Mortgage-Free
70.3%+84% vs US avg
x
$72,600
Home Value
$669
Rent
1956
Year Built
2002
Moved In

Residents have lived here since ~2002 on average

Housing Structure

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

  • 1-unit detached93.7%
  • 1-unit attached2.3%
  • 2-9 units2.2%
  • 10+ units1.0%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$72,600
Median rent$669
Owner-occupied64.9%
Vacant30.4%
Price-to-income1.8x
Est. income to buy$20,000