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Decatur city, AL

ZIP 35603 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 35603

Median Home Value
$235,600
Median Rent
$698
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,513/mo PITI).

11%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

28.1 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 35603 in Decatur city, AL, a household would need roughly $65,000 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 $1,513. That sits below the local median household income ($78,237), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
73.6%+12% vs US avg
x
Vacancy Rate
6.6%-36% vs US avg
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
17.8%-64% vs US avg
x
Mortgage-Free
42.8%+12% vs US avg
x
$235,600
Home Value
$698
Rent
1991
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached69.5%
  • 1-unit attached5.5%
  • 2-9 units11.2%
  • 10+ units9.4%
  • Mobile home & other4.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$235,600
Median rent$698
Owner-occupied73.6%
Vacant6.6%
Price-to-income3.0x
Est. income to buy$65,000