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Birmingham city, AL

ZIP 35234 — 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 35234

Median Home Value
$77,700
Median Rent
$504
Affordability Snapshot
$21,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$499/mo PITI).

25%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

12.8 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 35234 in Birmingham city, AL, a household would need roughly $21,000 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 $499. That sits below the local median household income ($23,804), 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 33% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
52.1%-20% vs US avg
x
Vacancy Rate
33.4%+224% vs US avg
x
Broadband Access
57.9%-33% vs US avg
x
4+ Bedrooms
9.0%-39% vs US avg
x
Built Pre-1939
5.8%-55% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.4%-43% vs US avg
x
Mortgage-Free
70.9%+86% vs US avg
x
$77,700
Home Value
$504
Rent
1957
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached58.9%
  • 1-unit attached0.4%
  • 2-9 units19.4%
  • 10+ units19.6%
  • Mobile home & other1.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$77,700
Median rent$504
Owner-occupied52.1%
Vacant33.4%
Price-to-income3.3x
Est. income to buy$21,000