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Montgomery city, AL

ZIP 36104 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 36104

Median Home Value
$121,200
Median Rent
$630
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$779/mo PITI).

22%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

16.0 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 36104 in Montgomery city, 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.

Housing Tenure

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
25.8%-61% vs US avg
x
Vacancy Rate
21.6%+110% vs US avg
x
Broadband Access
81.1%-7% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
9.5%-26% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.1%-60% vs US avg
x
Mortgage-Free
66.5%+74% vs US avg
x
$121,200
Home Value
$630
Rent
1957
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 detached40.8%
  • 1-unit attached4.7%
  • 2-9 units22.5%
  • 10+ units29.9%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$121,200
Median rent$630
Owner-occupied25.8%
Vacant21.6%
Price-to-income3.5x
Est. income to buy$33,000