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Phil Campbell town, AL

ZIP 35581 — 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 35581

Median Home Value
$105,400
Median Rent
$405
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$677/mo PITI).

10%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.7 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 35581 in Phil Campbell town, 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.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.3%+17% vs US avg
x
Vacancy Rate
16.3%+58% vs US avg
x
Broadband Access
59.5%-32% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
11.0%-78% vs US avg
x
Mortgage-Free
66.5%+74% vs US avg
x
$105,400
Home Value
$405
Rent
1989
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached73.4%
  • 1-unit attached0.4%
  • 2-9 units4.5%
  • 10+ units0.4%
  • Mobile home & other21.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$105,400
Median rent$405
Owner-occupied76.3%
Vacant16.3%
Price-to-income2.2x
Est. income to buy$29,000