ZIP Code 35223 — Mountain Brook city, AL Demographics & Data

ZIP code 35223 covers Mountain Brook, AL in Jefferson County with a population of about 10,665.

At a glance, the area shows median age of 46.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 205, 659; U.S. House district AL-6; the BIRMINGHAM (ANN & TUSC) media market.

Mountain Brook, AL ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$155,079)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 35223 is about $155,079 — about 106% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.5%; unemployment rate near 1.3%; 83.9% of adults with a bachelor’s degree or higher (about 50.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Education; about 14.7% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $744,400 — about 114% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,175 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 88.2% (about 22.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 35223 in Mountain Brook, AL, a household would need roughly $205,000 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 $4,782. That is about 32% above the local median household income ($155,079), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Mountain Brook city, AL as Relatively High (composite score 97.6), which is among the highest nationally. The strongest component scores on US5 are flood (98.1) and wildfire (79.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Mountain Brook city, AL show little to no average snow and around 56.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 340 for ZIP 35223 (Mountain Brook city, AL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.