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Birmingham city, AL

ZIP 35224 — 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 35224

Median Home Value
$81,600
Median Rent
$570
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$524/mo PITI).

15%
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.

11.9 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 35224 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 $524. That sits below the local median household income ($46,401), 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 29% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.8%-9% vs US avg
x
Vacancy Rate
28.6%+178% vs US avg
x
Broadband Access
76.4%-12% vs US avg
x
4+ Bedrooms
0.3%-98% vs US avg
x
Built Pre-1939
15.0%+17% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
21.2%-57% vs US avg
x
Mortgage-Free
63.6%+66% vs US avg
x
$81,600
Home Value
$570
Rent
1955
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached89.4%
  • 1-unit attached1.8%
  • 2-9 units3.3%
  • 10+ units0.5%
  • Mobile home & other5.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$81,600
Median rent$570
Owner-occupied59.8%
Vacant28.6%
Price-to-income1.8x
Est. income to buy$22,000