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Shelby CDP, AL

ZIP 35143 — 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 35143

Median Home Value
$212,200
Median Rent
$602
Affordability Snapshot
$58,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,363/mo PITI).

9%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

29.4 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 35143 in Shelby CDP, AL, a household would need roughly $58,000 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 $1,363. That sits below the local median household income ($76,987), 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 32% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.4%+26% vs US avg
x
Vacancy Rate
32.1%+212% vs US avg
x
Broadband Access
80.4%-8% vs US avg
x
4+ Bedrooms
12.2%-18% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.7%-76% vs US avg
x
Rent Burden >30%
7.1%-86% vs US avg
x
Mortgage-Free
52.1%+36% vs US avg
x
$212,200
Home Value
$602
Rent
1989
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached51.3%
  • 1-unit attached0.0%
  • 2-9 units0.6%
  • 10+ units0.5%
  • Mobile home & other47.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$212,200
Median rent$602
Owner-occupied82.4%
Vacant32.1%
Price-to-income2.8x
Est. income to buy$58,000