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Fort Payne city, AL

ZIP 35968 — 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 35968

Median Home Value
$116,800
Median Rent
$462
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$750/mo PITI).

12%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.1 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 35968 in Fort Payne city, AL, a household would need roughly $32,000 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 $750. That sits below the local median household income ($44,902), 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
83.1%+27% vs US avg
x
Vacancy Rate
16.3%+58% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
6.5%-50% vs US avg
x
Built Post-2014
1.8%-73% vs US avg
x
Rent Burden >30%
14.0%-72% vs US avg
x
Mortgage-Free
61.1%+60% vs US avg
x
$116,800
Home Value
$462
Rent
1981
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached72.4%
  • 1-unit attached0.1%
  • 2-9 units2.5%
  • 10+ units1.6%
  • Mobile home & other23.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$116,800
Median rent$462
Owner-occupied83.1%
Vacant16.3%
Price-to-income2.6x
Est. income to buy$32,000