ZIP Code 36043 — Montgomery city, AL Demographics & Data

ZIP code 36043 covers Montgomery, AL in Lowndes County with a population of about 3,230.

At a glance, the area shows median age of 43.6 versus a U.S. median of about 38.9.

It sits in telephone area code 334; U.S. House district AL-7; the MONTGOMERY (SELMA) media market.

Median household income in ZIP 36043 is about $84,600 — about 13% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.0%; unemployment rate near 4.1%; 21.7% of adults with a bachelor’s degree or higher (about 12.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Other services; about 2.8% of workers reporting work-from-home (about 12.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $179,300 — about 48% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $702 (about 40% below the U.S. median rent ($1,163)), and owner-occupancy near 81.0% (about 15.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 36043 in Montgomery, AL, a household would need roughly $49,000 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 $1,152. That sits below the local median household income ($84,600), 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.

FEMA’s National Risk Index rates natural-hazard risk for Montgomery city, AL as Very Low (composite score 29.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (71.4) and flood (31.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Montgomery city, AL show little to no average snow and around 51.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 103 for ZIP 36043 (Montgomery city, AL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.