ZIP Code 36104 — Montgomery city, AL Demographics & Data

ZIP code 36104 covers Montgomery, AL in Montgomery County with a population of about 10,637.

At a glance, the area shows median age of 32.5 versus a U.S. median of about 38.9.

It sits in telephone area code 334; U.S. House district AL-2; the MONTGOMERY (SELMA) media market.

Median household income in ZIP 36104 is about $34,975 — about 53% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 38.6%; unemployment rate near 9.4%; 26.0% of adults with a bachelor’s degree or higher (about 7.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Public administration; about 8.0% of workers reporting work-from-home (about 7.2 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 $121,200 — about 65% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $630 (about 46% below the U.S. median rent ($1,163)), and owner-occupancy near 25.8% (about 39.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 36104 in Montgomery, AL, a household would need roughly $33,000 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 $779. That is roughly in line with the local median household income ($34,975). 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 Relatively Moderate (composite score 91.8), which is among the highest nationally. The strongest component scores on US5 are flood (94.1) and hurricane (87.3). 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 339 for ZIP 36104 (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.