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ZIP 35220 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 35220

Median Home Value
$130,200
Median Rent
$800
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$836/mo PITI).

21%
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.

13.6 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 35220, a household would need roughly $36,000 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 $836. That sits below the local median household income ($46,250), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
39.5%-40% vs US avg
x
Vacancy Rate
14.6%+42% vs US avg
x
Broadband Access
90.4%+4% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
7.8%-39% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.3%-81% vs US avg
x
Mortgage-Free
28.3%-26% vs US avg
x
$130,200
Home Value
$800
Rent
1973
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached58.5%
  • 1-unit attached0.5%
  • 2-9 units33.3%
  • 10+ units7.7%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$130,200
Median rent$800
Owner-occupied39.5%
Vacant14.6%
Price-to-income2.8x
Est. income to buy$36,000