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Locust Fork town, AL

ZIP 35097 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 35097

Median Home Value
$133,300
Median Rent
$825
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$856/mo PITI).

14%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.5 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 35097 in Locust Fork town, AL, a household would need roughly $37,000 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 $856. That sits below the local median household income ($71,250), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.2%+35% vs US avg
x
Vacancy Rate
10.0%-3% vs US avg
x
Broadband Access
89.5%+3% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
23.0%-54% vs US avg
x
Mortgage-Free
49.2%+29% vs US avg
x
$133,300
Home Value
$825
Rent
1994
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached64.0%
  • 1-unit attached0.2%
  • 2-9 units0.5%
  • 10+ units0.0%
  • Mobile home & other35.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$133,300
Median rent$825
Owner-occupied88.2%
Vacant10.0%
Price-to-income1.9x
Est. income to buy$37,000