ZIP Code 35581 — Phil Campbell town, AL Demographics & Data

ZIP code 35581 covers Phil Campbell, AL in Franklin County with a population of about 6,271.

At a glance, the area shows median age of 38.1 (near the U.S. median).

It sits in telephone area codes 205, 256, 659, 938; U.S. House district AL-4; the HUNTSVILLE - DECATUR (FLOR) media market.

Median household income in ZIP 35581 is about $47,633 — about 37% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.7%; unemployment rate near 8.5%; 10.0% of adults with a bachelor’s degree or higher (about 23.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Education; about 1.0% of workers reporting work-from-home (about 14.2 points below 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 $105,400 — about 70% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $405 (about 65% below the U.S. median rent ($1,163)), and owner-occupancy near 76.3% (about 10.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 35581 in Phil Campbell, AL, a household would need roughly $29,000 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 $677. That sits below the local median household income ($47,633), 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.

FEMA’s National Risk Index rates natural-hazard risk for Phil Campbell town, AL as Relatively Low (composite score 67.7), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (60.4) and flood (54.7). 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 Phil Campbell town, AL show little to no average snow and around 58.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 200 for ZIP 35581 (Phil Campbell town, 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.