ZIP Code 36527 — Spanish Fort city, AL Demographics & Data

ZIP code 36527 covers Spanish Fort, AL in Baldwin County with a population of about 21,160.

At a glance, the area shows median age of 37.1 versus a U.S. median of about 38.9.

It sits in telephone area code 251; U.S. House district AL-1; the MOBILE - PENSACOLA (FT WALT) media market.

Spanish Fort, AL reads as a military / base-oriented community on US5’s intent model (base-related place names in city/county context). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 36527 is about $112,672 — about 50% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.9%; unemployment rate near 2.1%; 43.2% of adults with a bachelor’s degree or higher (about 9.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 9.9% of workers reporting work-from-home (about 5.3 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 $348,200 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,271 (about 9% above the U.S. median rent ($1,163)), and owner-occupancy near 75.1% (about 9.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 36527 in Spanish Fort, AL, a household would need roughly $96,000 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 $2,237. That sits below the local median household income ($112,672), 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 Spanish Fort city, AL as Relatively High (composite score 96.7), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.2) and flood (92.2). 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 Spanish Fort city, AL show little to no average snow and around 65.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 674 for ZIP 36527 (Spanish Fort 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.