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Ragland town, AL

ZIP 35131 — 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 35131

Median Home Value
$96,300
Median Rent
$523
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$619/mo PITI).

15%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.3 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 35131 in Ragland town, AL, a household would need roughly $27,000 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 $619. That sits below the local median household income ($42,344), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.8%+17% vs US avg
x
Vacancy Rate
18.4%+79% vs US avg
x
Broadband Access
83.3%-4% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
2.0%-70% vs US avg
x
Rent Burden >30%
20.4%-59% vs US avg
x
Mortgage-Free
66.6%+74% vs US avg
x
$96,300
Home Value
$523
Rent
1985
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached48.9%
  • 1-unit attached2.3%
  • 2-9 units4.6%
  • 10+ units1.7%
  • Mobile home & other42.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$96,300
Median rent$523
Owner-occupied76.8%
Vacant18.4%
Price-to-income2.3x
Est. income to buy$27,000