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Oneonta city, AL

ZIP 35121 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 35121

Median Home Value
$168,800
Median Rent
$519
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,084/mo PITI).

11%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.1 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 35121 in Oneonta city, AL, a household would need roughly $46,000 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 $1,084. That sits below the local median household income ($57,607), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.4%+11% vs US avg
x
Vacancy Rate
10.7%+4% vs US avg
x
Broadband Access
82.1%-6% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
5.7%-56% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
22.3%-55% vs US avg
x
Mortgage-Free
56.3%+47% vs US avg
x
$168,800
Home Value
$519
Rent
1978
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached70.5%
  • 1-unit attached0.6%
  • 2-9 units9.8%
  • 10+ units3.1%
  • Mobile home & other16.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$168,800
Median rent$519
Owner-occupied72.4%
Vacant10.7%
Price-to-income2.9x
Est. income to buy$46,000