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ZIP 35631 — Housing & Real Estate

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

Low Income Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 35631

Median Home Value
$44,300
Median Rent
$541
Affordability Snapshot
$12,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$285/mo PITI).

23%
Rent-to-Income Ratio

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

1.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

6.8 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 35631, a household would need roughly $12,000 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 $285. That sits below the local median household income ($27,929), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
34.1%-48% vs US avg
x
Vacancy Rate
14.2%+38% vs US avg
x
Broadband Access
72.0%-17% vs US avg
x
4+ Bedrooms
0.4%-97% vs US avg
x
Built Pre-1939
5.9%-54% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.5%-49% vs US avg
x
Mortgage-Free
83.6%+119% vs US avg
x
$44,300
Home Value
$541
Rent
1962
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached48.5%
  • 1-unit attached2.0%
  • 2-9 units23.1%
  • 10+ units24.5%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$44,300
Median rent$541
Owner-occupied34.1%
Vacant14.2%
Price-to-income1.6x
Est. income to buy$12,000