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ZIP 35235
Housing & Real Estate

Birmingham city, AL

ZIP 35235 — 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 35235

Median Home Value

$165,900

Median Rent

$1,023

Affordability Snapshot

$46,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,066/mo PITI).

21%

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.

13.5 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 35235 in Birmingham 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 $1,066. That sits below the local median household income ($57,244), 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 12% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

66.7%+2% vs US avg

Vacancy Rate

11.6%+12% vs US avg

Broadband Access

94.2%+8% vs US avg

4+ Bedrooms

1.0%-93% vs US avg

Built Pre-1939

3.2%-75% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

32.6%-34% vs US avg

Mortgage-Free

29.8%-22% vs US avg

$165,900

Home Value

$1,023

Rent

1981

Year Built

2013

Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

1-unit detached68.8%
1-unit attached8.2%
2-9 units8.9%
10+ units14.1%
Mobile home & other0.0%

Historical Trends in 35235 (2020–Present)

Since 2020, population declined 8.5%, median income fell 10.9% (inflation-adjusted), home values increased 13.5%.

Home Value

$165,900

-52% vs US avg

Median Rent

$1,023

-12% vs US avg

ZIP 35235 — Housing & Real Estate

Housing & Real Estate in ZIP Code 35235

Historical Trends in 35235 (2020–Present)

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Housing & Real Estate key statistics