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Birmingham city, AL

ZIP 35130 — 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 35130

Median Home Value
$103,300
Median Rent
$378
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$664/mo PITI).

12%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.8 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 35130 in Birmingham city, AL, a household would need roughly $28,000 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 $664. That sits below the local median household income ($37,692), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.2%+20% vs US avg
x
Vacancy Rate
22.9%+123% vs US avg
x
Broadband Access
76.3%-12% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
7.6%-41% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
26.4%-47% vs US avg
x
Mortgage-Free
67.8%+78% vs US avg
x
$103,300
Home Value
$378
Rent
1974
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached67.7%
  • 1-unit attached0.3%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other32.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$103,300
Median rent$378
Owner-occupied78.2%
Vacant22.9%
Price-to-income2.7x
Est. income to buy$28,000