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Hartselle city, AL

ZIP 35640 — 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 35640

Median Home Value
$196,600
Median Rent
$573
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,263/mo PITI).

10%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

28.6 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 35640 in Hartselle city, AL, a household would need roughly $54,000 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 $1,263. That sits below the local median household income ($69,686), 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
80.1%+22% vs US avg
x
Vacancy Rate
7.3%-29% vs US avg
x
Broadband Access
85.1%-2% vs US avg
x
4+ Bedrooms
5.5%-63% vs US avg
x
Built Pre-1939
2.0%-85% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
17.0%-66% vs US avg
x
Mortgage-Free
45.5%+19% vs US avg
x
$196,600
Home Value
$573
Rent
1986
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 detached78.8%
  • 1-unit attached1.5%
  • 2-9 units7.4%
  • 10+ units2.0%
  • Mobile home & other10.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$196,600
Median rent$573
Owner-occupied80.1%
Vacant7.3%
Price-to-income2.8x
Est. income to buy$54,000